Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$155,597Cash toward the purchase price.
Closing costs + prepaids$11,383Not just lender fees.
Before credits & paid funds$166,979The complete starting cash picture.
Estimated remaining funds due at closing
$166,979No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,596.96
Your down payment$155,596.96
Closing costs + prepaids$11,382.52
Total buyer cash needed$166,979.48
Remaining funds due$166,979.48
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)$1,048.50
Initial HOA (3 months)$5.01
Prepaid interest, first (24 days)$504.01
Fees + prepaids$11,382.52
Your down payment is the seller’s equity. You take over the $204,403 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $166,979.48 is due at closing. Uses and sources reconcile at $371,382.52 each. Not a Closing Disclosure.