Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$17,477Cash toward the purchase price.
Closing costs + prepaids$10,870Not just lender fees.
Before credits & paid funds$28,347The complete starting cash picture.
Estimated remaining funds due at closing
$28,347No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,477.12
Your down payment$17,477.12
Closing costs + prepaids$10,869.86
Total buyer cash needed$28,346.98
Remaining funds due$28,346.98
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)$539.25
Initial HOA (3 months)$426.00
Prepaid interest, first (1 days)$29.61
Fees + prepaids$10,869.86
Your down payment is the seller’s equity. You take over the $347,523 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $28,346.98 is due at closing. Uses and sources reconcile at $375,869.86 each. Not a Closing Disclosure.