Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$39,516Cash toward the purchase price.
Closing costs + prepaids$12,155Not just lender fees.
Before credits & paid funds$51,672The complete starting cash picture.
Estimated remaining funds due at closing
$51,672No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,516.28
Your down payment$39,516.28
Closing costs + prepaids$12,155.37
Total buyer cash needed$51,671.65
Remaining funds due$51,671.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,940.00
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)$575.00
Initial HOA (3 months)$312.00
Prepaid interest, first (21 days)$1,103.37
Fees + prepaids$12,155.37
Your down payment is the seller’s equity. You take over the $354,484 balance, so the rest of the $394,000 price is paid at closing. A second mortgage can cover part of it. $51,671.65 is due at closing. Uses and sources reconcile at $406,155.37 each. Not a Closing Disclosure.