Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$366,366Cash toward the purchase price.
Closing costs + prepaids$10,636Not just lender fees.
Before credits & paid funds$377,001The complete starting cash picture.
Estimated remaining funds due at closing
$377,001No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$366,365.55
Your down payment$366,365.55
Closing costs + prepaids$10,635.84
Total buyer cash needed$377,001.39
Remaining funds due$377,001.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,750.00
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)$479.25
Initial HOA (3 months)$180.00
Prepaid interest, first (1 days)$1.59
Fees + prepaids$10,635.84
Your down payment is the seller’s equity. You take over the $8,634 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $377,001.39 is due at closing. Uses and sources reconcile at $385,635.84 each. Not a Closing Disclosure.