Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$62,020Cash toward the purchase price.
Closing costs + prepaids$10,803Not just lender fees.
Before credits & paid funds$72,823The complete starting cash picture.
Estimated remaining funds due at closing
$72,823No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,020.18
Your down payment$62,020.18
Closing costs + prepaids$10,802.68
Total buyer cash needed$72,822.86
Remaining funds due$72,822.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
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)$687.75
Initial HOA (3 months)$180.00
Prepaid interest, first (1 days)$59.93
Fees + prepaids$10,802.68
Your down payment is the seller’s equity. You take over the $302,980 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $72,822.86 is due at closing. Uses and sources reconcile at $375,802.68 each. Not a Closing Disclosure.