Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$11,273Cash toward the purchase price.
Closing costs + prepaids$13,393Not just lender fees.
Before credits & paid funds$24,666The complete starting cash picture.
Estimated remaining funds due at closing
$24,666No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,273.23
Your down payment$11,273.23
Closing costs + prepaids$13,392.82
Total buyer cash needed$24,666.05
Remaining funds due$24,666.05
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)$865.50
Initial HOA (3 months)$711.00
Prepaid interest, first (24 days)$1,701.32
Fees + prepaids$13,392.82
Your down payment is the seller’s equity. You take over the $377,727 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $24,666.05 is due at closing. Uses and sources reconcile at $402,392.82 each. Not a Closing Disclosure.