Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$5,930Cash toward the purchase price.
Closing costs + prepaids$12,869Not just lender fees.
Before credits & paid funds$18,798The complete starting cash picture.
Estimated remaining funds due at closing
$18,798No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,929.51
Your down payment$5,929.51
Closing costs + prepaids$12,868.85
Total buyer cash needed$18,798.36
Remaining funds due$18,798.36
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)$795.50
Initial HOA (3 months)$110.01
Prepaid interest, first (28 days)$1,838.44
Fees + prepaids$12,868.85
Your down payment is the seller’s equity. You take over the $384,060 balance, so the rest of the $389,990 price is paid at closing. A second mortgage can cover part of it. $18,798.36 is due at closing. Uses and sources reconcile at $402,858.85 each. Not a Closing Disclosure.