Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$18,872Cash toward the purchase price.
Closing costs + prepaids$12,038Not just lender fees.
Before credits & paid funds$30,910The complete starting cash picture.
Estimated remaining funds due at closing
$30,910No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,872.24
Your down payment$18,872.24
Closing costs + prepaids$12,038.20
Total buyer cash needed$30,910.44
Remaining funds due$30,910.44
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)$91.25
Initial HOA (3 months)$207.00
Prepaid interest, first (21 days)$1,615.95
Fees + prepaids$12,038.20
Your down payment is the seller’s equity. You take over the $371,028 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $30,910.44 is due at closing. Uses and sources reconcile at $401,938.20 each. Not a Closing Disclosure.