Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$43,127Cash toward the purchase price.
Closing costs + prepaids$14,055Not just lender fees.
Before credits & paid funds$57,182The complete starting cash picture.
Estimated remaining funds due at closing
$57,182No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,127.05
Your down payment$43,127.05
Closing costs + prepaids$14,055.16
Total buyer cash needed$57,182.21
Remaining funds due$57,182.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.96
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)$975.00
Initial HOA (3 months)$1,329.00
Prepaid interest, first (31 days)$1,626.20
Fees + prepaids$14,055.16
Your down payment is the seller’s equity. You take over the $346,869 balance, so the rest of the $389,996 price is paid at closing. A second mortgage can cover part of it. $57,182.21 is due at closing. Uses and sources reconcile at $404,051.16 each. Not a Closing Disclosure.