Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$360,777Cash toward the purchase price.
Closing costs + prepaids$11,931Not just lender fees.
Before credits & paid funds$372,708The complete starting cash picture.
Estimated remaining funds due at closing
$372,708No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$360,777.05
Your down payment$360,777.05
Closing costs + prepaids$11,931.17
Total buyer cash needed$372,708.21
Remaining funds due$372,708.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,760.00
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)$1,895.75
Initial HOA (3 months)$44.76
Prepaid interest, first (2 days)$5.66
Fees + prepaids$11,931.17
Your down payment is the seller’s equity. You take over the $15,223 balance, so the rest of the $376,000 price is paid at closing. A second mortgage can cover part of it. $372,708.21 is due at closing. Uses and sources reconcile at $387,931.17 each. Not a Closing Disclosure.