Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$14,786Cash toward the purchase price.
Closing costs + prepaids$10,795Not just lender fees.
Before credits & paid funds$25,581The complete starting cash picture.
Estimated remaining funds due at closing
$25,581No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,785.57
Your down payment$14,785.57
Closing costs + prepaids$10,795.02
Total buyer cash needed$25,580.59
Remaining funds due$25,580.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,600.00
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)$63.27
Fees + prepaids$10,795.02
Your down payment is the seller’s equity. You take over the $345,214 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $25,580.59 is due at closing. Uses and sources reconcile at $370,795.02 each. Not a Closing Disclosure.