Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$184,559Cash toward the purchase price.
Closing costs + prepaids$11,545Not just lender fees.
Before credits & paid funds$196,104The complete starting cash picture.
Estimated remaining funds due at closing
$196,104No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,558.79
Your down payment$184,558.79
Closing costs + prepaids$11,545.36
Total buyer cash needed$196,104.15
Remaining funds due$196,104.15
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)$1,187.50
Prepaid interest, first (23 days)$532.86
Fees + prepaids$11,545.36
Your down payment is the seller’s equity. You take over the $175,441 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $196,104.15 is due at closing. Uses and sources reconcile at $371,545.36 each. Not a Closing Disclosure.