Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$147,439Cash toward the purchase price.
Closing costs + prepaids$11,320Not just lender fees.
Before credits & paid funds$158,759The complete starting cash picture.
Estimated remaining funds due at closing
$158,759No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,439.08
Your down payment$147,439.08
Closing costs + prepaids$11,319.65
Total buyer cash needed$158,758.73
Remaining funds due$158,758.73
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)$1,021.25
Initial HOA (3 months)$86.25
Prepaid interest, first (24 days)$387.15
Fees + prepaids$11,319.65
Your down payment is the seller’s equity. You take over the $212,561 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $158,758.73 is due at closing. Uses and sources reconcile at $371,319.65 each. Not a Closing Disclosure.