Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$26,905Cash toward the purchase price.
Closing costs + prepaids$10,815Not just lender fees.
Before credits & paid funds$37,720The complete starting cash picture.
Estimated remaining funds due at closing
$37,720No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,905.06
Your down payment$26,905.06
Closing costs + prepaids$10,814.59
Total buyer cash needed$37,719.66
Remaining funds due$37,719.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$530.75
Initial HOA (3 months)$399.00
Prepaid interest, first (2 days)$109.84
Fees + prepaids$10,814.59
Your down payment is the seller’s equity. You take over the $328,095 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $37,719.66 is due at closing. Uses and sources reconcile at $365,814.59 each. Not a Closing Disclosure.