Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$33,045Cash toward the purchase price.
Closing costs + prepaids$12,308Not just lender fees.
Before credits & paid funds$45,353The complete starting cash picture.
Estimated remaining funds due at closing
$45,353No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,044.75
Your down payment$33,044.75
Closing costs + prepaids$12,307.77
Total buyer cash needed$45,352.52
Remaining funds due$45,352.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,900.00
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)$589.00
Initial HOA (3 months)$12.51
Prepaid interest, first (23 days)$1,581.26
Fees + prepaids$12,307.77
Your down payment is the seller’s equity. You take over the $356,955 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $45,352.52 is due at closing. Uses and sources reconcile at $402,307.77 each. Not a Closing Disclosure.