Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$24,920Cash toward the purchase price.
Closing costs + prepaids$10,982Not just lender fees.
Before credits & paid funds$35,901The complete starting cash picture.
Estimated remaining funds due at closing
$35,901No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,919.56
Your down payment$24,919.56
Closing costs + prepaids$10,981.83
Total buyer cash needed$35,901.39
Remaining funds due$35,901.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$1,005.25
Initial HOA (3 months)$87.51
Prepaid interest, first (1 days)$65.07
Fees + prepaids$10,981.83
Your down payment is the seller’s equity. You take over the $334,980 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $35,901.39 is due at closing. Uses and sources reconcile at $370,881.83 each. Not a Closing Disclosure.