Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$23,344Cash toward the purchase price.
Closing costs + prepaids$10,849Not just lender fees.
Before credits & paid funds$34,193The complete starting cash picture.
Estimated remaining funds due at closing
$34,193No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,344.18
Your down payment$23,344.18
Closing costs + prepaids$10,848.87
Total buyer cash needed$34,193.06
Remaining funds due$34,193.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.90
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)$306.75
Initial HOA (3 months)$345.00
Prepaid interest, first (1 days)$72.22
Fees + prepaids$10,848.87
Your down payment is the seller’s equity. You take over the $366,646 balance, so the rest of the $389,990 price is paid at closing. A second mortgage can cover part of it. $34,193.06 is due at closing. Uses and sources reconcile at $400,838.87 each. Not a Closing Disclosure.