Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$29,402Cash toward the purchase price.
Closing costs + prepaids$10,512Not just lender fees.
Before credits & paid funds$39,914The complete starting cash picture.
Estimated remaining funds due at closing
$39,914No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,402.17
Your down payment$29,402.17
Closing costs + prepaids$10,512.26
Total buyer cash needed$39,914.43
Remaining funds due$39,914.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
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)$202.00
Initial HOA (3 months)$372.00
Prepaid interest, first (1 days)$63.26
Fees + prepaids$10,512.26
Your down payment is the seller’s equity. You take over the $335,598 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $39,914.43 is due at closing. Uses and sources reconcile at $375,512.26 each. Not a Closing Disclosure.