Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$8,283Cash toward the purchase price.
Closing costs + prepaids$12,355Not just lender fees.
Before credits & paid funds$20,638The complete starting cash picture.
Estimated remaining funds due at closing
$20,638No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,283.10
Your down payment$8,283.10
Closing costs + prepaids$12,355.23
Total buyer cash needed$20,638.33
Remaining funds due$20,638.33
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)$561.25
Initial HOA (3 months)$288.00
Prepaid interest, first (19 days)$1,380.98
Fees + prepaids$12,355.23
Your down payment is the seller’s equity. You take over the $381,717 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $20,638.33 is due at closing. Uses and sources reconcile at $402,355.23 each. Not a Closing Disclosure.