Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$27,952Cash toward the purchase price.
Closing costs + prepaids$11,731Not just lender fees.
Before credits & paid funds$39,683The complete starting cash picture.
Estimated remaining funds due at closing
$39,683No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,952.47
Your down payment$27,952.47
Closing costs + prepaids$11,730.84
Total buyer cash needed$39,683.32
Remaining funds due$39,683.32
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)$209.50
Initial HOA (3 months)$144.00
Prepaid interest, first (27 days)$1,552.34
Fees + prepaids$11,730.84
Your down payment is the seller’s equity. You take over the $332,048 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $39,683.32 is due at closing. Uses and sources reconcile at $371,730.84 each. Not a Closing Disclosure.