Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$23,628Cash toward the purchase price.
Closing costs + prepaids$10,544Not just lender fees.
Before credits & paid funds$34,172The complete starting cash picture.
Estimated remaining funds due at closing
$34,172No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,628.17
Your down payment$23,628.17
Closing costs + prepaids$10,544.03
Total buyer cash needed$34,172.20
Remaining funds due$34,172.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,695.00
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)$325.50
Initial HOA (3 months)$234.00
Prepaid interest, first (1 days)$64.53
Fees + prepaids$10,544.03
Your down payment is the seller’s equity. You take over the $345,872 balance, so the rest of the $369,500 price is paid at closing. A second mortgage can cover part of it. $34,172.20 is due at closing. Uses and sources reconcile at $380,044.03 each. Not a Closing Disclosure.