Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$54,565Cash toward the purchase price.
Closing costs + prepaids$11,214Not just lender fees.
Before credits & paid funds$65,779The complete starting cash picture.
Estimated remaining funds due at closing
$65,779No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,565.26
Your down payment$54,565.26
Closing costs + prepaids$11,213.68
Total buyer cash needed$65,778.93
Remaining funds due$65,778.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,600.00
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)$506.25
Initial HOA (3 months)$258.00
Prepaid interest, first (26 days)$624.43
Fees + prepaids$11,213.68
Your down payment is the seller’s equity. You take over the $305,435 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $65,778.93 is due at closing. Uses and sources reconcile at $371,213.68 each. Not a Closing Disclosure.