Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$26,352Cash toward the purchase price.
Closing costs + prepaids$12,988Not just lender fees.
Before credits & paid funds$39,340The complete starting cash picture.
Estimated remaining funds due at closing
$39,340No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,351.81
Your down payment$26,351.81
Closing costs + prepaids$12,987.93
Total buyer cash needed$39,339.74
Remaining funds due$39,339.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$1,304.75
Initial HOA (3 months)$150.00
Prepaid interest, first (28 days)$1,458.18
Fees + prepaids$12,987.93
Your down payment is the seller’s equity. You take over the $358,648 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $39,339.74 is due at closing. Uses and sources reconcile at $397,987.93 each. Not a Closing Disclosure.