Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$27,291Cash toward the purchase price.
Closing costs + prepaids$12,300Not just lender fees.
Before credits & paid funds$39,591The complete starting cash picture.
Estimated remaining funds due at closing
$39,591No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,291.22
Your down payment$27,291.22
Closing costs + prepaids$12,300.15
Total buyer cash needed$39,591.37
Remaining funds due$39,591.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,859.99
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)$558.50
Initial HOA (3 months)$75.00
Prepaid interest, first (26 days)$1,581.66
Fees + prepaids$12,300.15
Your down payment is the seller’s equity. You take over the $358,708 balance, so the rest of the $385,999 price is paid at closing. A second mortgage can cover part of it. $39,591.37 is due at closing. Uses and sources reconcile at $398,299.15 each. Not a Closing Disclosure.