Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$21,075Cash toward the purchase price.
Closing costs + prepaids$13,624Not just lender fees.
Before credits & paid funds$34,699The complete starting cash picture.
Estimated remaining funds due at closing
$34,699No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,074.87
Your down payment$21,074.87
Closing costs + prepaids$13,624.21
Total buyer cash needed$34,699.08
Remaining funds due$34,699.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,940.00
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)$868.75
Initial HOA (3 months)$1,035.00
Prepaid interest, first (22 days)$1,555.46
Fees + prepaids$13,624.21
Your down payment is the seller’s equity. You take over the $372,925 balance, so the rest of the $394,000 price is paid at closing. A second mortgage can cover part of it. $34,699.08 is due at closing. Uses and sources reconcile at $407,624.21 each. Not a Closing Disclosure.