Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$23,628Cash toward the purchase price.
Closing costs + prepaids$10,609Not just lender fees.
Before credits & paid funds$34,237The complete starting cash picture.
Estimated remaining funds due at closing
$34,237No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,628.17
Your down payment$23,628.17
Closing costs + prepaids$10,608.56
Total buyer cash needed$34,236.73
Remaining funds due$34,236.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,695.00
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)$325.50
Initial HOA (3 months)$234.00
Prepaid interest, first (2 days)$129.06
Fees + prepaids$10,608.56
Your down payment is the seller’s equity. You take over the $345,872 balance, so the rest of the $369,500 price is paid at closing. A second mortgage can cover part of it. $34,236.73 is due at closing. Uses and sources reconcile at $380,108.56 each. Not a Closing Disclosure.