Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$130,824Cash toward the purchase price.
Closing costs + prepaids$11,239Not just lender fees.
Before credits & paid funds$142,063The complete starting cash picture.
Estimated remaining funds due at closing
$142,063No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,824.48
Your down payment$130,824.48
Closing costs + prepaids$11,238.54
Total buyer cash needed$142,063.02
Remaining funds due$142,063.02
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)$900.00
Initial HOA (3 months)$10.74
Prepaid interest, first (28 days)$502.80
Fees + prepaids$11,238.54
Your down payment is the seller’s equity. You take over the $229,176 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $142,063.02 is due at closing. Uses and sources reconcile at $371,238.54 each. Not a Closing Disclosure.