Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$11,660Cash toward the purchase price.
Closing costs + prepaids$10,997Not just lender fees.
Before credits & paid funds$22,657The complete starting cash picture.
Estimated remaining funds due at closing
$22,657No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,659.59
Your down payment$11,659.59
Closing costs + prepaids$10,997.39
Total buyer cash needed$22,656.98
Remaining funds due$22,656.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.90
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)$606.25
Initial HOA (3 months)$339.99
Prepaid interest, first (2 days)$126.25
Fees + prepaids$10,997.39
Your down payment is the seller’s equity. You take over the $358,330 balance, so the rest of the $369,990 price is paid at closing. A second mortgage can cover part of it. $22,656.98 is due at closing. Uses and sources reconcile at $380,987.39 each. Not a Closing Disclosure.