Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$361,139Cash toward the purchase price.
Closing costs + prepaids$12,010Not just lender fees.
Before credits & paid funds$373,150The complete starting cash picture.
Estimated remaining funds due at closing
$373,150No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$361,139.16
Your down payment$361,139.16
Closing costs + prepaids$12,010.40
Total buyer cash needed$373,149.57
Remaining funds due$373,149.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,690.00
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)$1,393.50
Initial HOA (3 months)$699.00
Prepaid interest, first (2 days)$2.90
Fees + prepaids$12,010.40
Your down payment is the seller’s equity. You take over the $7,861 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $373,149.57 is due at closing. Uses and sources reconcile at $381,010.40 each. Not a Closing Disclosure.