Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$28,642Cash toward the purchase price.
Closing costs + prepaids$13,886Not just lender fees.
Before credits & paid funds$42,528The complete starting cash picture.
Estimated remaining funds due at closing
$42,528No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,642.11
Your down payment$28,642.11
Closing costs + prepaids$13,886.15
Total buyer cash needed$42,528.26
Remaining funds due$42,528.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,945.00
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)$1,203.25
Initial HOA (3 months)$423.00
Prepaid interest, first (30 days)$2,089.90
Fees + prepaids$13,886.15
Your down payment is the seller’s equity. You take over the $365,858 balance, so the rest of the $394,500 price is paid at closing. A second mortgage can cover part of it. $42,528.26 is due at closing. Uses and sources reconcile at $408,386.15 each. Not a Closing Disclosure.