Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$149,108Cash toward the purchase price.
Closing costs + prepaids$11,733Not just lender fees.
Before credits & paid funds$160,841The complete starting cash picture.
Estimated remaining funds due at closing
$160,841No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,107.53
Your down payment$149,107.53
Closing costs + prepaids$11,733.01
Total buyer cash needed$160,840.54
Remaining funds due$160,840.54
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)$1,323.00
Prepaid interest, first (27 days)$585.01
Fees + prepaids$11,733.01
Your down payment is the seller’s equity. You take over the $210,892 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $160,840.54 is due at closing. Uses and sources reconcile at $371,733.01 each. Not a Closing Disclosure.