Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$12,820Cash toward the purchase price.
Closing costs + prepaids$11,190Not just lender fees.
Before credits & paid funds$24,010The complete starting cash picture.
Estimated remaining funds due at closing
$24,010No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,820.35
Your down payment$12,820.35
Closing costs + prepaids$11,189.58
Total buyer cash needed$24,009.92
Remaining funds due$24,009.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,920.00
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)$639.00
Initial HOA (3 months)$342.00
Prepaid interest, first (1 days)$63.58
Fees + prepaids$11,189.58
Your down payment is the seller’s equity. You take over the $379,180 balance, so the rest of the $392,000 price is paid at closing. A second mortgage can cover part of it. $24,009.92 is due at closing. Uses and sources reconcile at $403,189.58 each. Not a Closing Disclosure.