Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$25,067Cash toward the purchase price.
Closing costs + prepaids$11,051Not just lender fees.
Before credits & paid funds$36,119The complete starting cash picture.
Estimated remaining funds due at closing
$36,119No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,067.23
Your down payment$25,067.23
Closing costs + prepaids$11,051.40
Total buyer cash needed$36,118.63
Remaining funds due$36,118.63
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)$959.75
Initial HOA (3 months)$50.01
Prepaid interest, first (2 days)$126.64
Fees + prepaids$11,051.40
Your down payment is the seller’s equity. You take over the $343,933 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $36,118.63 is due at closing. Uses and sources reconcile at $380,051.40 each. Not a Closing Disclosure.