Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$40,394Cash toward the purchase price.
Closing costs + prepaids$11,410Not just lender fees.
Before credits & paid funds$51,805The complete starting cash picture.
Estimated remaining funds due at closing
$51,805No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,394.47
Your down payment$40,394.47
Closing costs + prepaids$11,410.40
Total buyer cash needed$51,804.87
Remaining funds due$51,804.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,925.00
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)$471.00
Initial HOA (3 months)$186.00
Prepaid interest, first (9 days)$603.40
Fees + prepaids$11,410.40
Your down payment is the seller’s equity. You take over the $352,106 balance, so the rest of the $392,500 price is paid at closing. A second mortgage can cover part of it. $51,804.87 is due at closing. Uses and sources reconcile at $403,910.40 each. Not a Closing Disclosure.