Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$23,092Cash toward the purchase price.
Closing costs + prepaids$11,160Not just lender fees.
Before credits & paid funds$34,253The complete starting cash picture.
Estimated remaining funds due at closing
$34,253No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,092.24
Your down payment$23,092.24
Closing costs + prepaids$11,160.48
Total buyer cash needed$34,252.71
Remaining funds due$34,252.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
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)$574.25
Initial HOA (3 months)$288.00
Prepaid interest, first (1 days)$74.23
Fees + prepaids$11,160.48
Your down payment is the seller’s equity. You take over the $376,808 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $34,252.71 is due at closing. Uses and sources reconcile at $411,060.48 each. Not a Closing Disclosure.