Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$34,758Cash toward the purchase price.
Closing costs + prepaids$13,960Not just lender fees.
Before credits & paid funds$48,718The complete starting cash picture.
Estimated remaining funds due at closing
$48,718No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,757.88
Your down payment$34,757.88
Closing costs + prepaids$13,960.00
Total buyer cash needed$48,717.88
Remaining funds due$48,717.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.00
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)$2,194.00
Initial HOA (3 months)$165.00
Prepaid interest, first (22 days)$1,477.00
Fees + prepaids$13,960.00
Your down payment is the seller’s equity. You take over the $355,142 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $48,717.88 is due at closing. Uses and sources reconcile at $403,860.00 each. Not a Closing Disclosure.