Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$8,492Cash toward the purchase price.
Closing costs + prepaids$10,837Not just lender fees.
Before credits & paid funds$19,329The complete starting cash picture.
Estimated remaining funds due at closing
$19,329No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,492.24
Your down payment$8,492.24
Closing costs + prepaids$10,837.10
Total buyer cash needed$19,329.33
Remaining funds due$19,329.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,690.00
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)$284.50
Initial HOA (3 months)$573.00
Prepaid interest, first (1 days)$64.60
Fees + prepaids$10,837.10
Your down payment is the seller’s equity. You take over the $360,508 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $19,329.33 is due at closing. Uses and sources reconcile at $379,837.10 each. Not a Closing Disclosure.