Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$19,798Cash toward the purchase price.
Closing costs + prepaids$10,898Not just lender fees.
Before credits & paid funds$30,696The complete starting cash picture.
Estimated remaining funds due at closing
$30,696No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,797.78
Your down payment$19,797.78
Closing costs + prepaids$10,898.50
Total buyer cash needed$30,696.28
Remaining funds due$30,696.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,729.99
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)$503.00
Initial HOA (3 months)$342.00
Prepaid interest, first (2 days)$98.51
Fees + prepaids$10,898.50
Your down payment is the seller’s equity. You take over the $353,201 balance, so the rest of the $372,999 price is paid at closing. A second mortgage can cover part of it. $30,696.28 is due at closing. Uses and sources reconcile at $383,897.50 each. Not a Closing Disclosure.