Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$29,860Cash toward the purchase price.
Closing costs + prepaids$12,274Not just lender fees.
Before credits & paid funds$42,134The complete starting cash picture.
Estimated remaining funds due at closing
$42,134No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,859.62
Your down payment$29,859.62
Closing costs + prepaids$12,273.95
Total buyer cash needed$42,133.57
Remaining funds due$42,133.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,839.00
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)$480.00
Initial HOA (3 months)$630.00
Prepaid interest, first (18 days)$1,099.95
Fees + prepaids$12,273.95
Your down payment is the seller’s equity. You take over the $354,040 balance, so the rest of the $383,900 price is paid at closing. A second mortgage can cover part of it. $42,133.57 is due at closing. Uses and sources reconcile at $396,173.95 each. Not a Closing Disclosure.