Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$34,528Cash toward the purchase price.
Closing costs + prepaids$13,004Not just lender fees.
Before credits & paid funds$47,532The complete starting cash picture.
Estimated remaining funds due at closing
$47,532No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,527.89
Your down payment$34,527.89
Closing costs + prepaids$13,004.14
Total buyer cash needed$47,532.03
Remaining funds due$47,532.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,890.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,195.25
Prepaid interest, first (27 days)$1,693.89
Fees + prepaids$13,004.14
Your down payment is the seller’s equity. You take over the $354,472 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $47,532.03 is due at closing. Uses and sources reconcile at $402,004.14 each. Not a Closing Disclosure.