Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$172,384Cash toward the purchase price.
Closing costs + prepaids$11,818Not just lender fees.
Before credits & paid funds$184,202The complete starting cash picture.
Estimated remaining funds due at closing
$184,202No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,383.95
Your down payment$172,383.95
Closing costs + prepaids$11,817.69
Total buyer cash needed$184,201.64
Remaining funds due$184,201.64
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)$1,391.75
Prepaid interest, first (27 days)$600.94
Fees + prepaids$11,817.69
Your down payment is the seller’s equity. You take over the $187,616 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $184,201.64 is due at closing. Uses and sources reconcile at $371,817.69 each. Not a Closing Disclosure.