Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$59,270Cash toward the purchase price.
Closing costs + prepaids$12,755Not just lender fees.
Before credits & paid funds$72,025The complete starting cash picture.
Estimated remaining funds due at closing
$72,025No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,269.85
Your down payment$59,269.85
Closing costs + prepaids$12,754.98
Total buyer cash needed$72,024.83
Remaining funds due$72,024.83
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)$453.00
Prepaid interest, first (29 days)$1,576.98
Fees + prepaids$12,754.98
Your down payment is the seller’s equity. You take over the $300,730 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $72,024.83 is due at closing. Uses and sources reconcile at $372,754.98 each. Not a Closing Disclosure.