Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$20,145Cash toward the purchase price.
Closing costs + prepaids$11,709Not just lender fees.
Before credits & paid funds$31,854The complete starting cash picture.
Estimated remaining funds due at closing
$31,854No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,144.84
Your down payment$20,144.84
Closing costs + prepaids$11,709.14
Total buyer cash needed$31,853.99
Remaining funds due$31,853.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,889.00
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)$486.25
Prepaid interest, first (16 days)$1,108.89
Fees + prepaids$11,709.14
Your down payment is the seller’s equity. You take over the $368,755 balance, so the rest of the $388,900 price is paid at closing. A second mortgage can cover part of it. $31,853.99 is due at closing. Uses and sources reconcile at $400,609.14 each. Not a Closing Disclosure.