Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$7,758Cash toward the purchase price.
Closing costs + prepaids$12,854Not just lender fees.
Before credits & paid funds$20,612The complete starting cash picture.
Estimated remaining funds due at closing
$20,612No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,758.22
Your down payment$7,758.22
Closing costs + prepaids$12,853.83
Total buyer cash needed$20,612.05
Remaining funds due$20,612.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.95
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)$666.00
Initial HOA (3 months)$225.00
Prepaid interest, first (27 days)$1,837.88
Fees + prepaids$12,853.83
Your down payment is the seller’s equity. You take over the $382,237 balance, so the rest of the $389,995 price is paid at closing. A second mortgage can cover part of it. $20,612.05 is due at closing. Uses and sources reconcile at $402,848.83 each. Not a Closing Disclosure.