Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$18,969Cash toward the purchase price.
Closing costs + prepaids$10,388Not just lender fees.
Before credits & paid funds$29,357The complete starting cash picture.
Estimated remaining funds due at closing
$29,357No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,969.00
Your down payment$18,969.00
Closing costs + prepaids$10,388.15
Total buyer cash needed$29,357.15
Remaining funds due$29,357.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,750.00
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)$13.75
Initial HOA (3 months)$336.00
Prepaid interest, first (1 days)$63.40
Fees + prepaids$10,388.15
Your down payment is the seller’s equity. You take over the $356,031 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $29,357.15 is due at closing. Uses and sources reconcile at $385,388.15 each. Not a Closing Disclosure.