Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$23,303Cash toward the purchase price.
Closing costs + prepaids$10,997Not just lender fees.
Before credits & paid funds$34,301The complete starting cash picture.
Estimated remaining funds due at closing
$34,301No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,303.13
Your down payment$23,303.13
Closing costs + prepaids$10,997.41
Total buyer cash needed$34,300.54
Remaining funds due$34,300.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,825.00
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)$303.75
Initial HOA (3 months)$573.00
Prepaid interest, first (1 days)$70.66
Fees + prepaids$10,997.41
Your down payment is the seller’s equity. You take over the $359,197 balance, so the rest of the $382,500 price is paid at closing. A second mortgage can cover part of it. $34,300.54 is due at closing. Uses and sources reconcile at $393,497.41 each. Not a Closing Disclosure.