Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$28,928Cash toward the purchase price.
Closing costs + prepaids$11,149Not just lender fees.
Before credits & paid funds$40,077The complete starting cash picture.
Estimated remaining funds due at closing
$40,077No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,927.83
Your down payment$28,927.83
Closing costs + prepaids$11,149.35
Total buyer cash needed$40,077.18
Remaining funds due$40,077.18
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)$422.50
Initial HOA (3 months)$792.00
Prepaid interest, first (1 days)$59.85
Fees + prepaids$11,149.35
Your down payment is the seller’s equity. You take over the $336,072 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $40,077.18 is due at closing. Uses and sources reconcile at $376,149.35 each. Not a Closing Disclosure.