Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$15,653Cash toward the purchase price.
Closing costs + prepaids$11,394Not just lender fees.
Before credits & paid funds$27,047The complete starting cash picture.
Estimated remaining funds due at closing
$27,047No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,653.39
Your down payment$15,653.39
Closing costs + prepaids$11,394.01
Total buyer cash needed$27,047.41
Remaining funds due$27,047.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,840.00
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)$484.50
Initial HOA (3 months)$744.00
Prepaid interest, first (2 days)$100.51
Fees + prepaids$11,394.01
Your down payment is the seller’s equity. You take over the $368,347 balance, so the rest of the $384,000 price is paid at closing. A second mortgage can cover part of it. $27,047.41 is due at closing. Uses and sources reconcile at $395,394.01 each. Not a Closing Disclosure.