Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$36,633Cash toward the purchase price.
Closing costs + prepaids$11,553Not just lender fees.
Before credits & paid funds$48,186The complete starting cash picture.
Estimated remaining funds due at closing
$48,186No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,632.60
Your down payment$36,632.60
Closing costs + prepaids$11,553.01
Total buyer cash needed$48,185.61
Remaining funds due$48,185.61
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)$988.25
Initial HOA (3 months)$378.00
Prepaid interest, first (1 days)$61.86
Fees + prepaids$11,553.01
Your down payment is the seller’s equity. You take over the $353,357 balance, so the rest of the $389,990 price is paid at closing. A second mortgage can cover part of it. $48,185.61 is due at closing. Uses and sources reconcile at $401,543.01 each. Not a Closing Disclosure.