Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$12,495Cash toward the purchase price.
Closing costs + prepaids$11,064Not just lender fees.
Before credits & paid funds$23,559The complete starting cash picture.
Estimated remaining funds due at closing
$23,559No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,495.46
Your down payment$12,495.46
Closing costs + prepaids$11,063.92
Total buyer cash needed$23,559.38
Remaining funds due$23,559.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,800.00
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)$604.00
Initial HOA (3 months)$300.00
Prepaid interest, first (2 days)$134.92
Fees + prepaids$11,063.92
Your down payment is the seller’s equity. You take over the $367,505 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $23,559.38 is due at closing. Uses and sources reconcile at $391,063.92 each. Not a Closing Disclosure.