Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$258,246Cash toward the purchase price.
Closing costs + prepaids$10,412Not just lender fees.
Before credits & paid funds$268,659The complete starting cash picture.
Estimated remaining funds due at closing
$268,659No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,246.15
Your down payment$258,246.15
Closing costs + prepaids$10,412.35
Total buyer cash needed$268,658.50
Remaining funds due$268,658.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,700.00
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)$316.75
Initial HOA (3 months)$162.00
Prepaid interest, first (1 days)$8.60
Fees + prepaids$10,412.35
Your down payment is the seller’s equity. You take over the $111,754 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $268,658.50 is due at closing. Uses and sources reconcile at $380,412.35 each. Not a Closing Disclosure.