Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$105,602Cash toward the purchase price.
Closing costs + prepaids$10,768Not just lender fees.
Before credits & paid funds$116,370The complete starting cash picture.
Estimated remaining funds due at closing
$116,370No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,602.41
Your down payment$105,602.41
Closing costs + prepaids$10,767.91
Total buyer cash needed$116,370.33
Remaining funds due$116,370.33
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)$219.25
Initial HOA (3 months)$270.00
Prepaid interest, first (23 days)$453.66
Fees + prepaids$10,767.91
Your down payment is the seller’s equity. You take over the $254,398 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $116,370.33 is due at closing. Uses and sources reconcile at $370,767.91 each. Not a Closing Disclosure.