Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$6,764Cash toward the purchase price.
Closing costs + prepaids$10,929Not just lender fees.
Before credits & paid funds$17,692The complete starting cash picture.
Estimated remaining funds due at closing
$17,692No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,763.88
Your down payment$6,763.88
Closing costs + prepaids$10,928.62
Total buyer cash needed$17,692.49
Remaining funds due$17,692.49
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)$637.75
Initial HOA (3 months)$297.00
Prepaid interest, first (1 days)$68.87
Fees + prepaids$10,928.62
Your down payment is the seller’s equity. You take over the $363,236 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $17,692.49 is due at closing. Uses and sources reconcile at $380,928.62 each. Not a Closing Disclosure.