Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$316,132Cash toward the purchase price.
Closing costs + prepaids$10,396Not just lender fees.
Before credits & paid funds$326,528The complete starting cash picture.
Estimated remaining funds due at closing
$326,528No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$316,131.83
Your down payment$316,131.83
Closing costs + prepaids$10,395.87
Total buyer cash needed$326,527.70
Remaining funds due$326,527.70
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)$405.25
Initial HOA (3 months)$56.25
Prepaid interest, first (26 days)$109.37
Fees + prepaids$10,395.87
Your down payment is the seller’s equity. You take over the $43,868 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $326,527.70 is due at closing. Uses and sources reconcile at $370,395.87 each. Not a Closing Disclosure.