Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$26,759Cash toward the purchase price.
Closing costs + prepaids$11,631Not just lender fees.
Before credits & paid funds$38,390The complete starting cash picture.
Estimated remaining funds due at closing
$38,390No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,759.29
Your down payment$26,759.29
Closing costs + prepaids$11,631.01
Total buyer cash needed$38,390.30
Remaining funds due$38,390.30
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)$303.25
Prepaid interest, first (20 days)$1,212.76
Fees + prepaids$11,631.01
Your down payment is the seller’s equity. You take over the $362,241 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $38,390.30 is due at closing. Uses and sources reconcile at $400,631.01 each. Not a Closing Disclosure.