Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$39,720Cash toward the purchase price.
Closing costs + prepaids$11,478Not just lender fees.
Before credits & paid funds$51,198The complete starting cash picture.
Estimated remaining funds due at closing
$51,198No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,720.02
Your down payment$39,720.02
Closing costs + prepaids$11,478.22
Total buyer cash needed$51,198.24
Remaining funds due$51,198.24
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)$468.00
Initial HOA (3 months)$309.99
Prepaid interest, first (9 days)$575.23
Fees + prepaids$11,478.22
Your down payment is the seller’s equity. You take over the $350,280 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $51,198.24 is due at closing. Uses and sources reconcile at $401,478.22 each. Not a Closing Disclosure.