Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$3,837Cash toward the purchase price.
Closing costs + prepaids$10,309Not just lender fees.
Before credits & paid funds$14,146The complete starting cash picture.
Estimated remaining funds due at closing
$14,146No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,836.81
Your down payment$3,836.81
Closing costs + prepaids$10,308.92
Total buyer cash needed$14,145.73
Remaining funds due$14,145.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,600.00
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)$354.25
Initial HOA (3 months)$68.49
Prepaid interest, first (1 days)$61.18
Fees + prepaids$10,308.92
Your down payment is the seller’s equity. You take over the $356,163 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $14,145.73 is due at closing. Uses and sources reconcile at $370,308.92 each. Not a Closing Disclosure.