Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$63,688Cash toward the purchase price.
Closing costs + prepaids$11,996Not just lender fees.
Before credits & paid funds$75,684The complete starting cash picture.
Estimated remaining funds due at closing
$75,684No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,687.92
Your down payment$63,687.92
Closing costs + prepaids$11,996.13
Total buyer cash needed$75,684.06
Remaining funds due$75,684.06
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)$1,280.75
Initial HOA (3 months)$339.00
Prepaid interest, first (24 days)$551.38
Fees + prepaids$11,996.13
Your down payment is the seller’s equity. You take over the $296,312 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $75,684.06 is due at closing. Uses and sources reconcile at $371,996.13 each. Not a Closing Disclosure.