Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$42,916Cash toward the purchase price.
Closing costs + prepaids$13,039Not just lender fees.
Before credits & paid funds$55,955The complete starting cash picture.
Estimated remaining funds due at closing
$55,955No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,916.33
Your down payment$42,916.33
Closing costs + prepaids$13,038.81
Total buyer cash needed$55,955.14
Remaining funds due$55,955.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,900.00
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)$1,093.75
Initial HOA (3 months)$405.00
Prepaid interest, first (23 days)$1,415.06
Fees + prepaids$13,038.81
Your down payment is the seller’s equity. You take over the $347,084 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $55,955.14 is due at closing. Uses and sources reconcile at $403,038.81 each. Not a Closing Disclosure.