Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$27,352Cash toward the purchase price.
Closing costs + prepaids$11,024Not just lender fees.
Before credits & paid funds$38,376The complete starting cash picture.
Estimated remaining funds due at closing
$38,376No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,351.86
Your down payment$27,351.86
Closing costs + prepaids$11,024.08
Total buyer cash needed$38,375.94
Remaining funds due$38,375.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,980.00
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)$441.50
Initial HOA (3 months)$314.01
Prepaid interest, first (1 days)$63.57
Fees + prepaids$11,024.08
Your down payment is the seller’s equity. You take over the $370,648 balance, so the rest of the $398,000 price is paid at closing. A second mortgage can cover part of it. $38,375.94 is due at closing. Uses and sources reconcile at $409,024.08 each. Not a Closing Disclosure.