Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$20,016Cash toward the purchase price.
Closing costs + prepaids$12,349Not just lender fees.
Before credits & paid funds$32,366The complete starting cash picture.
Estimated remaining funds due at closing
$32,366No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,016.40
Your down payment$20,016.40
Closing costs + prepaids$12,349.16
Total buyer cash needed$32,365.56
Remaining funds due$32,365.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,915.00
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)$474.75
Initial HOA (3 months)$336.00
Prepaid interest, first (20 days)$1,398.41
Fees + prepaids$12,349.16
Your down payment is the seller’s equity. You take over the $371,484 balance, so the rest of the $391,500 price is paid at closing. A second mortgage can cover part of it. $32,365.56 is due at closing. Uses and sources reconcile at $403,849.16 each. Not a Closing Disclosure.