Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$26,438Cash toward the purchase price.
Closing costs + prepaids$10,822Not just lender fees.
Before credits & paid funds$37,259The complete starting cash picture.
Estimated remaining funds due at closing
$37,259No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,437.74
Your down payment$26,437.74
Closing costs + prepaids$10,821.62
Total buyer cash needed$37,259.37
Remaining funds due$37,259.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,890.00
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)$428.75
Initial HOA (3 months)$222.00
Prepaid interest, first (1 days)$55.87
Fees + prepaids$10,821.62
Your down payment is the seller’s equity. You take over the $362,562 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $37,259.37 is due at closing. Uses and sources reconcile at $399,821.62 each. Not a Closing Disclosure.