Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$17,468Cash toward the purchase price.
Closing costs + prepaids$11,594Not just lender fees.
Before credits & paid funds$29,062The complete starting cash picture.
Estimated remaining funds due at closing
$29,062No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,468.17
Your down payment$17,468.17
Closing costs + prepaids$11,594.00
Total buyer cash needed$29,062.18
Remaining funds due$29,062.18
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)$63.50
Initial HOA (3 months)$210.00
Prepaid interest, first (24 days)$1,495.50
Fees + prepaids$11,594.00
Your down payment is the seller’s equity. You take over the $342,532 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $29,062.18 is due at closing. Uses and sources reconcile at $371,594.00 each. Not a Closing Disclosure.