Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$356,999Cash toward the purchase price.
Closing costs + prepaids$10,753Not just lender fees.
Before credits & paid funds$367,753The complete starting cash picture.
Estimated remaining funds due at closing
$367,753No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$356,999.48
Your down payment$356,999.48
Closing costs + prepaids$10,753.44
Total buyer cash needed$367,752.91
Remaining funds due$367,752.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.99
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)$551.50
Initial HOA (3 months)$168.00
Prepaid interest, first (2 days)$8.95
Fees + prepaids$10,753.44
Your down payment is the seller’s equity. You take over the $23,000 balance, so the rest of the $379,999 price is paid at closing. A second mortgage can cover part of it. $367,752.91 is due at closing. Uses and sources reconcile at $390,752.44 each. Not a Closing Disclosure.