Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$25,387Cash toward the purchase price.
Closing costs + prepaids$10,769Not just lender fees.
Before credits & paid funds$36,156The complete starting cash picture.
Estimated remaining funds due at closing
$36,156No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,387.10
Your down payment$25,387.10
Closing costs + prepaids$10,768.78
Total buyer cash needed$36,155.88
Remaining funds due$36,155.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,870.00
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)$505.00
Initial HOA (3 months)$39.99
Prepaid interest, first (2 days)$128.79
Fees + prepaids$10,768.78
Your down payment is the seller’s equity. You take over the $361,613 balance, so the rest of the $387,000 price is paid at closing. A second mortgage can cover part of it. $36,155.88 is due at closing. Uses and sources reconcile at $397,768.78 each. Not a Closing Disclosure.