Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$27,990Cash toward the purchase price.
Closing costs + prepaids$12,999Not just lender fees.
Before credits & paid funds$40,989The complete starting cash picture.
Estimated remaining funds due at closing
$40,989No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,990.49
Your down payment$27,990.49
Closing costs + prepaids$12,998.71
Total buyer cash needed$40,989.20
Remaining funds due$40,989.20
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)$1,152.50
Initial HOA (3 months)$270.00
Prepaid interest, first (31 days)$1,451.21
Fees + prepaids$12,998.71
Your down payment is the seller’s equity. You take over the $362,010 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $40,989.20 is due at closing. Uses and sources reconcile at $402,998.71 each. Not a Closing Disclosure.