Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$39,344Cash toward the purchase price.
Closing costs + prepaids$10,972Not just lender fees.
Before credits & paid funds$50,316The complete starting cash picture.
Estimated remaining funds due at closing
$50,316No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,344.13
Your down payment$39,344.13
Closing costs + prepaids$10,971.71
Total buyer cash needed$50,315.83
Remaining funds due$50,315.83
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)$408.75
Initial HOA (3 months)$309.99
Prepaid interest, first (2 days)$127.97
Fees + prepaids$10,971.71
Your down payment is the seller’s equity. You take over the $350,656 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $50,315.83 is due at closing. Uses and sources reconcile at $400,971.71 each. Not a Closing Disclosure.