Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$23,096Cash toward the purchase price.
Closing costs + prepaids$12,997Not just lender fees.
Before credits & paid funds$36,094The complete starting cash picture.
Estimated remaining funds due at closing
$36,094No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,096.50
Your down payment$23,096.50
Closing costs + prepaids$12,997.01
Total buyer cash needed$36,093.50
Remaining funds due$36,093.50
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)$1,058.00
Initial HOA (3 months)$69.00
Prepaid interest, first (27 days)$1,745.11
Fees + prepaids$12,997.01
Your down payment is the seller’s equity. You take over the $366,894 balance, so the rest of the $389,990 price is paid at closing. A second mortgage can cover part of it. $36,093.50 is due at closing. Uses and sources reconcile at $402,987.01 each. Not a Closing Disclosure.