Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$28,895Cash toward the purchase price.
Closing costs + prepaids$12,778Not just lender fees.
Before credits & paid funds$41,673The complete starting cash picture.
Estimated remaining funds due at closing
$41,673No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,895.04
Your down payment$28,895.04
Closing costs + prepaids$12,777.82
Total buyer cash needed$41,672.85
Remaining funds due$41,672.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,890.00
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)$677.00
Initial HOA (3 months)$273.00
Prepaid interest, first (27 days)$1,712.82
Fees + prepaids$12,777.82
Your down payment is the seller’s equity. You take over the $360,105 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $41,672.85 is due at closing. Uses and sources reconcile at $401,777.82 each. Not a Closing Disclosure.