Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$27,616Cash toward the purchase price.
Closing costs + prepaids$12,356Not just lender fees.
Before credits & paid funds$39,971The complete starting cash picture.
Estimated remaining funds due at closing
$39,971No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,615.58
Your down payment$27,615.58
Closing costs + prepaids$12,355.79
Total buyer cash needed$39,971.37
Remaining funds due$39,971.37
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)$1,324.00
Initial HOA (3 months)$369.00
Prepaid interest, first (23 days)$837.79
Fees + prepaids$12,355.79
Your down payment is the seller’s equity. You take over the $332,384 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $39,971.37 is due at closing. Uses and sources reconcile at $372,355.79 each. Not a Closing Disclosure.