Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$13,116Cash toward the purchase price.
Closing costs + prepaids$11,182Not just lender fees.
Before credits & paid funds$24,298The complete starting cash picture.
Estimated remaining funds due at closing
$24,298No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,116.35
Your down payment$13,116.35
Closing costs + prepaids$11,181.54
Total buyer cash needed$24,297.89
Remaining funds due$24,297.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,900.00
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)$652.00
Initial HOA (3 months)$324.00
Prepaid interest, first (1 days)$80.54
Fees + prepaids$11,181.54
Your down payment is the seller’s equity. You take over the $376,884 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $24,297.89 is due at closing. Uses and sources reconcile at $401,181.54 each. Not a Closing Disclosure.