Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$44,095Cash toward the purchase price.
Closing costs + prepaids$12,621Not just lender fees.
Before credits & paid funds$56,717The complete starting cash picture.
Estimated remaining funds due at closing
$56,717No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,095.32
Your down payment$44,095.32
Closing costs + prepaids$12,621.24
Total buyer cash needed$56,716.56
Remaining funds due$56,716.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,930.00
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)$1,391.75
Initial HOA (3 months)$294.00
Prepaid interest, first (23 days)$780.49
Fees + prepaids$12,621.24
Your down payment is the seller’s equity. You take over the $348,905 balance, so the rest of the $393,000 price is paid at closing. A second mortgage can cover part of it. $56,716.56 is due at closing. Uses and sources reconcile at $405,621.24 each. Not a Closing Disclosure.