Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$32,681Cash toward the purchase price.
Closing costs + prepaids$10,864Not just lender fees.
Before credits & paid funds$43,545The complete starting cash picture.
Estimated remaining funds due at closing
$43,545No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,680.93
Your down payment$32,680.93
Closing costs + prepaids$10,864.15
Total buyer cash needed$43,545.08
Remaining funds due$43,545.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,900.00
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)$589.00
Initial HOA (3 months)$12.51
Prepaid interest, first (2 days)$137.64
Fees + prepaids$10,864.15
Your down payment is the seller’s equity. You take over the $357,319 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $43,545.08 is due at closing. Uses and sources reconcile at $400,864.15 each. Not a Closing Disclosure.