Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$43,250Cash toward the purchase price.
Closing costs + prepaids$14,338Not just lender fees.
Before credits & paid funds$57,588The complete starting cash picture.
Estimated remaining funds due at closing
$57,588No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,250.40
Your down payment$43,250.40
Closing costs + prepaids$14,337.75
Total buyer cash needed$57,588.15
Remaining funds due$57,588.15
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)$1,834.50
Initial HOA (3 months)$1,071.00
Prepaid interest, first (25 days)$1,308.25
Fees + prepaids$14,337.75
Your down payment is the seller’s equity. You take over the $346,650 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $57,588.15 is due at closing. Uses and sources reconcile at $404,237.75 each. Not a Closing Disclosure.