Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$357,907Cash toward the purchase price.
Closing costs + prepaids$11,520Not just lender fees.
Before credits & paid funds$369,427The complete starting cash picture.
Estimated remaining funds due at closing
$369,427No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$357,906.53
Your down payment$357,906.53
Closing costs + prepaids$11,520.35
Total buyer cash needed$369,426.88
Remaining funds due$369,426.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,649.00
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)$751.25
Initial HOA (3 months)$894.00
Prepaid interest, first (2 days)$1.10
Fees + prepaids$11,520.35
Your down payment is the seller’s equity. You take over the $6,993 balance, so the rest of the $364,900 price is paid at closing. A second mortgage can cover part of it. $369,426.88 is due at closing. Uses and sources reconcile at $376,420.35 each. Not a Closing Disclosure.