Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$31,631Cash toward the purchase price.
Closing costs + prepaids$12,624Not just lender fees.
Before credits & paid funds$44,255The complete starting cash picture.
Estimated remaining funds due at closing
$44,255No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,630.91
Your down payment$31,630.91
Closing costs + prepaids$12,623.72
Total buyer cash needed$44,254.63
Remaining funds due$44,254.63
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)$839.00
Initial HOA (3 months)$261.00
Prepaid interest, first (22 days)$1,408.72
Fees + prepaids$12,623.72
Your down payment is the seller’s equity. You take over the $357,369 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $44,254.63 is due at closing. Uses and sources reconcile at $401,623.72 each. Not a Closing Disclosure.