Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$323,178Cash toward the purchase price.
Closing costs + prepaids$10,639Not just lender fees.
Before credits & paid funds$333,817The complete starting cash picture.
Estimated remaining funds due at closing
$333,817No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$323,178.02
Your down payment$323,178.02
Closing costs + prepaids$10,639.26
Total buyer cash needed$333,817.28
Remaining funds due$333,817.28
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)$349.75
Initial HOA (3 months)$300.00
Prepaid interest, first (23 days)$164.51
Fees + prepaids$10,639.26
Your down payment is the seller’s equity. You take over the $36,822 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $333,817.28 is due at closing. Uses and sources reconcile at $370,639.26 each. Not a Closing Disclosure.