Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$11,386Cash toward the purchase price.
Closing costs + prepaids$13,321Not just lender fees.
Before credits & paid funds$24,707The complete starting cash picture.
Estimated remaining funds due at closing
$24,707No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,386.47
Your down payment$11,386.47
Closing costs + prepaids$13,320.77
Total buyer cash needed$24,707.25
Remaining funds due$24,707.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,897.00
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)$1,379.00
Initial HOA (3 months)$306.00
Prepaid interest, first (23 days)$1,513.77
Fees + prepaids$13,320.77
Your down payment is the seller’s equity. You take over the $378,314 balance, so the rest of the $389,700 price is paid at closing. A second mortgage can cover part of it. $24,707.25 is due at closing. Uses and sources reconcile at $403,020.77 each. Not a Closing Disclosure.