Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$23,303Cash toward the purchase price.
Closing costs + prepaids$10,971Not just lender fees.
Before credits & paid funds$34,274The complete starting cash picture.
Estimated remaining funds due at closing
$34,274No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,302.74
Your down payment$23,302.74
Closing costs + prepaids$10,971.41
Total buyer cash needed$34,274.15
Remaining funds due$34,274.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,779.99
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)$514.75
Initial HOA (3 months)$330.00
Prepaid interest, first (2 days)$121.67
Fees + prepaids$10,971.41
Your down payment is the seller’s equity. You take over the $354,696 balance, so the rest of the $377,999 price is paid at closing. A second mortgage can cover part of it. $34,274.15 is due at closing. Uses and sources reconcile at $388,970.41 each. Not a Closing Disclosure.