Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$19,388Cash toward the purchase price.
Closing costs + prepaids$11,906Not just lender fees.
Before credits & paid funds$31,295The complete starting cash picture.
Estimated remaining funds due at closing
$31,295No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,388.34
Your down payment$19,388.34
Closing costs + prepaids$11,906.30
Total buyer cash needed$31,294.63
Remaining funds due$31,294.63
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)$163.75
Initial HOA (3 months)$12.24
Prepaid interest, first (30 days)$1,605.31
Fees + prepaids$11,906.30
Your down payment is the seller’s equity. You take over the $370,612 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $31,294.63 is due at closing. Uses and sources reconcile at $401,906.30 each. Not a Closing Disclosure.