Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$136,651Cash toward the purchase price.
Closing costs + prepaids$10,579Not just lender fees.
Before credits & paid funds$147,230The complete starting cash picture.
Estimated remaining funds due at closing
$147,230No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,650.57
Your down payment$136,650.57
Closing costs + prepaids$10,579.18
Total buyer cash needed$147,229.75
Remaining funds due$147,229.75
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)$318.25
Prepaid interest, first (26 days)$435.93
Fees + prepaids$10,579.18
Your down payment is the seller’s equity. You take over the $223,349 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $147,229.75 is due at closing. Uses and sources reconcile at $370,579.18 each. Not a Closing Disclosure.