Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$23,776Cash toward the purchase price.
Closing costs + prepaids$10,979Not just lender fees.
Before credits & paid funds$34,754The complete starting cash picture.
Estimated remaining funds due at closing
$34,754No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,775.53
Your down payment$23,775.53
Closing costs + prepaids$10,978.73
Total buyer cash needed$34,754.25
Remaining funds due$34,754.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,950.00
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)$370.50
Initial HOA (3 months)$360.00
Prepaid interest, first (1 days)$73.23
Fees + prepaids$10,978.73
Your down payment is the seller’s equity. You take over the $371,224 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $34,754.25 is due at closing. Uses and sources reconcile at $405,978.73 each. Not a Closing Disclosure.