Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$13,459Cash toward the purchase price.
Closing costs + prepaids$12,791Not just lender fees.
Before credits & paid funds$26,249The complete starting cash picture.
Estimated remaining funds due at closing
$26,249No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,458.52
Your down payment$13,458.52
Closing costs + prepaids$12,790.79
Total buyer cash needed$26,249.31
Remaining funds due$26,249.31
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)$652.00
Initial HOA (3 months)$324.00
Prepaid interest, first (21 days)$1,689.79
Fees + prepaids$12,790.79
Your down payment is the seller’s equity. You take over the $376,541 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $26,249.31 is due at closing. Uses and sources reconcile at $402,790.79 each. Not a Closing Disclosure.