Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$25,788Cash toward the purchase price.
Closing costs + prepaids$10,389Not just lender fees.
Before credits & paid funds$36,177The complete starting cash picture.
Estimated remaining funds due at closing
$36,177No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,788.02
Your down payment$25,788.02
Closing costs + prepaids$10,388.77
Total buyer cash needed$36,176.79
Remaining funds due$36,176.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,740.00
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)$266.75
Initial HOA (3 months)$95.01
Prepaid interest, first (1 days)$62.01
Fees + prepaids$10,388.77
Your down payment is the seller’s equity. You take over the $348,212 balance, so the rest of the $374,000 price is paid at closing. A second mortgage can cover part of it. $36,176.79 is due at closing. Uses and sources reconcile at $384,388.77 each. Not a Closing Disclosure.