Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$117,670Cash toward the purchase price.
Closing costs + prepaids$10,979Not just lender fees.
Before credits & paid funds$128,649The complete starting cash picture.
Estimated remaining funds due at closing
$128,649No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,670.50
Your down payment$117,670.50
Closing costs + prepaids$10,978.93
Total buyer cash needed$128,649.42
Remaining funds due$128,649.42
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)$532.50
Prepaid interest, first (26 days)$621.43
Fees + prepaids$10,978.93
Your down payment is the seller’s equity. You take over the $242,330 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $128,649.42 is due at closing. Uses and sources reconcile at $370,978.93 each. Not a Closing Disclosure.