Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$20,540Cash toward the purchase price.
Closing costs + prepaids$10,542Not just lender fees.
Before credits & paid funds$31,082The complete starting cash picture.
Estimated remaining funds due at closing
$31,082No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,539.73
Your down payment$20,539.73
Closing costs + prepaids$10,542.08
Total buyer cash needed$31,081.81
Remaining funds due$31,081.81
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)$267.75
Initial HOA (3 months)$87.99
Prepaid interest, first (1 days)$61.34
Fees + prepaids$10,542.08
Your down payment is the seller’s equity. You take over the $369,460 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $31,081.81 is due at closing. Uses and sources reconcile at $400,542.08 each. Not a Closing Disclosure.