Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$16,650Cash toward the purchase price.
Closing costs + prepaids$10,513Not just lender fees.
Before credits & paid funds$27,163The complete starting cash picture.
Estimated remaining funds due at closing
$27,163No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,650.03
Your down payment$16,650.03
Closing costs + prepaids$10,513.46
Total buyer cash needed$27,163.49
Remaining funds due$27,163.49
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 (1 days)$56.46
Fees + prepaids$10,513.46
Your down payment is the seller’s equity. You take over the $373,349 balance, so the rest of the $389,999 price is paid at closing. A second mortgage can cover part of it. $27,163.49 is due at closing. Uses and sources reconcile at $400,512.46 each. Not a Closing Disclosure.