Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$3,122Cash toward the purchase price.
Closing costs + prepaids$12,302Not just lender fees.
Before credits & paid funds$15,424The complete starting cash picture.
Estimated remaining funds due at closing
$15,424No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,122.48
Your down payment$3,122.48
Closing costs + prepaids$12,301.80
Total buyer cash needed$15,424.28
Remaining funds due$15,424.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,790.00
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)$2,122.75
Initial HOA (3 months)$39.24
Prepaid interest, first (2 days)$124.81
Fees + prepaids$12,301.80
Your down payment is the seller’s equity. You take over the $375,878 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $15,424.28 is due at closing. Uses and sources reconcile at $391,301.80 each. Not a Closing Disclosure.