Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$28,105Cash toward the purchase price.
Closing costs + prepaids$11,130Not just lender fees.
Before credits & paid funds$39,235The complete starting cash picture.
Estimated remaining funds due at closing
$39,235No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,105.10
Your down payment$28,105.10
Closing costs + prepaids$11,129.96
Total buyer cash needed$39,235.06
Remaining funds due$39,235.06
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)$677.00
Initial HOA (3 months)$273.00
Prepaid interest, first (1 days)$64.96
Fees + prepaids$11,129.96
Your down payment is the seller’s equity. You take over the $360,895 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $39,235.06 is due at closing. Uses and sources reconcile at $400,129.96 each. Not a Closing Disclosure.