Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$4,698Cash toward the purchase price.
Closing costs + prepaids$10,435Not just lender fees.
Before credits & paid funds$15,133The complete starting cash picture.
Estimated remaining funds due at closing
$15,133No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,698.38
Your down payment$4,698.38
Closing costs + prepaids$10,434.86
Total buyer cash needed$15,133.24
Remaining funds due$15,133.24
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)$288.75
Initial HOA (3 months)$210.99
Prepaid interest, first (1 days)$60.12
Fees + prepaids$10,434.86
Your down payment is the seller’s equity. You take over the $360,302 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $15,133.24 is due at closing. Uses and sources reconcile at $375,434.86 each. Not a Closing Disclosure.