Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$24,738Cash toward the purchase price.
Closing costs + prepaids$10,895Not just lender fees.
Before credits & paid funds$35,634The complete starting cash picture.
Estimated remaining funds due at closing
$35,634No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,738.32
Your down payment$24,738.32
Closing costs + prepaids$10,895.22
Total buyer cash needed$35,633.54
Remaining funds due$35,633.54
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)$285.75
Initial HOA (3 months)$621.00
Prepaid interest, first (1 days)$63.47
Fees + prepaids$10,895.22
Your down payment is the seller’s equity. You take over the $345,262 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $35,633.54 is due at closing. Uses and sources reconcile at $380,895.22 each. Not a Closing Disclosure.