Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$304,423Cash toward the purchase price.
Closing costs + prepaids$11,967Not just lender fees.
Before credits & paid funds$316,391The complete starting cash picture.
Estimated remaining funds due at closing
$316,391No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$304,423.20
Your down payment$304,423.20
Closing costs + prepaids$11,967.31
Total buyer cash needed$316,390.51
Remaining funds due$316,390.51
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)$1,905.00
Initial HOA (3 months)$24.99
Prepaid interest, first (24 days)$212.32
Fees + prepaids$11,967.31
Your down payment is the seller’s equity. You take over the $55,577 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $316,390.51 is due at closing. Uses and sources reconcile at $371,967.31 each. Not a Closing Disclosure.