Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$163,811Cash toward the purchase price.
Closing costs + prepaids$11,390Not just lender fees.
Before credits & paid funds$175,201The complete starting cash picture.
Estimated remaining funds due at closing
$175,201No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,810.76
Your down payment$163,810.76
Closing costs + prepaids$11,390.38
Total buyer cash needed$175,201.13
Remaining funds due$175,201.13
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)$769.25
Initial HOA (3 months)$249.00
Prepaid interest, first (27 days)$547.13
Fees + prepaids$11,390.38
Your down payment is the seller’s equity. You take over the $196,189 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $175,201.13 is due at closing. Uses and sources reconcile at $371,390.38 each. Not a Closing Disclosure.