Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$27,660Cash toward the purchase price.
Closing costs + prepaids$11,446Not just lender fees.
Before credits & paid funds$39,106The complete starting cash picture.
Estimated remaining funds due at closing
$39,106No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,660.46
Your down payment$27,660.46
Closing costs + prepaids$11,445.75
Total buyer cash needed$39,106.22
Remaining funds due$39,106.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.00
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)$994.25
Prepaid interest, first (5 days)$327.50
Fees + prepaids$11,445.75
Your down payment is the seller’s equity. You take over the $362,240 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $39,106.22 is due at closing. Uses and sources reconcile at $401,345.75 each. Not a Closing Disclosure.