Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$20,330Cash toward the purchase price.
Closing costs + prepaids$11,419Not just lender fees.
Before credits & paid funds$31,750The complete starting cash picture.
Estimated remaining funds due at closing
$31,750No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,330.36
Your down payment$20,330.36
Closing costs + prepaids$11,419.42
Total buyer cash needed$31,749.77
Remaining funds due$31,749.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,750.00
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)$1,267.25
Initial HOA (3 months)$53.76
Prepaid interest, first (2 days)$123.41
Fees + prepaids$11,419.42
Your down payment is the seller’s equity. You take over the $354,670 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $31,749.77 is due at closing. Uses and sources reconcile at $386,419.42 each. Not a Closing Disclosure.