Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$27,743Cash toward the purchase price.
Closing costs + prepaids$11,738Not just lender fees.
Before credits & paid funds$39,481The complete starting cash picture.
Estimated remaining funds due at closing
$39,481No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,743.19
Your down payment$27,743.19
Closing costs + prepaids$11,737.99
Total buyer cash needed$39,481.18
Remaining funds due$39,481.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$887.50
Initial HOA (3 months)$1,026.00
Prepaid interest, first (1 days)$49.49
Fees + prepaids$11,737.99
Your down payment is the seller’s equity. You take over the $327,257 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $39,481.18 is due at closing. Uses and sources reconcile at $366,737.99 each. Not a Closing Disclosure.