Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$17,196Cash toward the purchase price.
Closing costs + prepaids$11,528Not just lender fees.
Before credits & paid funds$28,724The complete starting cash picture.
Estimated remaining funds due at closing
$28,724No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,195.51
Your down payment$17,195.51
Closing costs + prepaids$11,528.22
Total buyer cash needed$28,723.73
Remaining funds due$28,723.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.99
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)$207.00
Initial HOA (3 months)$125.01
Prepaid interest, first (19 days)$1,071.22
Fees + prepaids$11,528.22
Your down payment is the seller’s equity. You take over the $372,803 balance, so the rest of the $389,999 price is paid at closing. A second mortgage can cover part of it. $28,723.73 is due at closing. Uses and sources reconcile at $401,527.22 each. Not a Closing Disclosure.