Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$28,519Cash toward the purchase price.
Closing costs + prepaids$12,817Not just lender fees.
Before credits & paid funds$41,336The complete starting cash picture.
Estimated remaining funds due at closing
$41,336No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,519.33
Your down payment$28,519.33
Closing costs + prepaids$12,816.94
Total buyer cash needed$41,336.27
Remaining funds due$41,336.27
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)$1,751.94
Fees + prepaids$12,816.94
Your down payment is the seller’s equity. You take over the $360,481 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $41,336.27 is due at closing. Uses and sources reconcile at $401,816.94 each. Not a Closing Disclosure.