Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$135,298Cash toward the purchase price.
Closing costs + prepaids$11,265Not just lender fees.
Before credits & paid funds$146,563The complete starting cash picture.
Estimated remaining funds due at closing
$146,563No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,297.97
Your down payment$135,297.97
Closing costs + prepaids$11,264.98
Total buyer cash needed$146,562.95
Remaining funds due$146,562.95
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)$297.00
Initial HOA (3 months)$33.75
Prepaid interest, first (26 days)$1,109.23
Fees + prepaids$11,264.98
Your down payment is the seller’s equity. You take over the $224,702 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $146,562.95 is due at closing. Uses and sources reconcile at $371,264.98 each. Not a Closing Disclosure.