Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$114,611Cash toward the purchase price.
Closing costs + prepaids$11,355Not just lender fees.
Before credits & paid funds$125,966The complete starting cash picture.
Estimated remaining funds due at closing
$125,966No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,610.60
Your down payment$114,610.60
Closing costs + prepaids$11,355.35
Total buyer cash needed$125,965.95
Remaining funds due$125,965.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,700.00
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)$1,318.75
Initial HOA (3 months)$92.01
Prepaid interest, first (1 days)$19.59
Fees + prepaids$11,355.35
Your down payment is the seller’s equity. You take over the $255,389 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $125,965.95 is due at closing. Uses and sources reconcile at $381,355.35 each. Not a Closing Disclosure.