Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$17,493Cash toward the purchase price.
Closing costs + prepaids$13,260Not just lender fees.
Before credits & paid funds$30,753The complete starting cash picture.
Estimated remaining funds due at closing
$30,753No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,493.37
Your down payment$17,493.37
Closing costs + prepaids$13,259.63
Total buyer cash needed$30,753.00
Remaining funds due$30,753.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.90
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)$574.00
Initial HOA (3 months)$1,173.00
Prepaid interest, first (26 days)$1,387.73
Fees + prepaids$13,259.63
Your down payment is the seller’s equity. You take over the $372,497 balance, so the rest of the $389,990 price is paid at closing. A second mortgage can cover part of it. $30,753.00 is due at closing. Uses and sources reconcile at $403,249.63 each. Not a Closing Disclosure.