Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$15,319Cash toward the purchase price.
Closing costs + prepaids$10,108Not just lender fees.
Before credits & paid funds$25,427The complete starting cash picture.
Estimated remaining funds due at closing
$25,427No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,319.30
Your down payment$15,319.30
Closing costs + prepaids$10,107.83
Total buyer cash needed$25,427.13
Remaining funds due$25,427.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.90
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Initial HOA (3 months)$12.99
Prepaid interest, first (2 days)$69.94
Fees + prepaids$10,107.83
Your down payment is the seller’s equity. You take over the $364,671 balance, so the rest of the $379,990 price is paid at closing. A second mortgage can cover part of it. $25,427.13 is due at closing. Uses and sources reconcile at $390,097.83 each. Not a Closing Disclosure.