Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$21,145Cash toward the purchase price.
Closing costs + prepaids$12,575Not just lender fees.
Before credits & paid funds$33,719The complete starting cash picture.
Estimated remaining funds due at closing
$33,719No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,144.84
Your down payment$21,144.84
Closing costs + prepaids$12,574.51
Total buyer cash needed$33,719.35
Remaining funds due$33,719.35
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)$579.25
Prepaid interest, first (27 days)$1,871.26
Fees + prepaids$12,574.51
Your down payment is the seller’s equity. You take over the $368,755 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $33,719.35 is due at closing. Uses and sources reconcile at $402,474.51 each. Not a Closing Disclosure.