Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$23,896Cash toward the purchase price.
Closing costs + prepaids$12,346Not just lender fees.
Before credits & paid funds$36,242The complete starting cash picture.
Estimated remaining funds due at closing
$36,242No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,895.79
Your down payment$23,895.79
Closing costs + prepaids$12,345.94
Total buyer cash needed$36,241.72
Remaining funds due$36,241.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.00
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)$350.00
Prepaid interest, first (26 days)$1,871.94
Fees + prepaids$12,345.94
Your down payment is the seller’s equity. You take over the $366,004 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $36,241.72 is due at closing. Uses and sources reconcile at $402,245.94 each. Not a Closing Disclosure.