Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$64,205Cash toward the purchase price.
Closing costs + prepaids$10,474Not just lender fees.
Before credits & paid funds$74,679The complete starting cash picture.
Estimated remaining funds due at closing
$74,679No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,204.58
Your down payment$64,204.58
Closing costs + prepaids$10,473.96
Total buyer cash needed$74,678.55
Remaining funds due$74,678.55
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)$283.25
Initial HOA (3 months)$210.00
Prepaid interest, first (1 days)$55.71
Fees + prepaids$10,473.96
Your down payment is the seller’s equity. You take over the $305,795 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $74,678.55 is due at closing. Uses and sources reconcile at $380,473.96 each. Not a Closing Disclosure.