Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$60,321Cash toward the purchase price.
Closing costs + prepaids$11,573Not just lender fees.
Before credits & paid funds$71,894The complete starting cash picture.
Estimated remaining funds due at closing
$71,894No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,321.16
Your down payment$60,321.16
Closing costs + prepaids$11,572.90
Total buyer cash needed$71,894.06
Remaining funds due$71,894.06
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)$989.50
Initial HOA (3 months)$240.00
Prepaid interest, first (22 days)$518.40
Fees + prepaids$11,572.90
Your down payment is the seller’s equity. You take over the $299,679 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $71,894.06 is due at closing. Uses and sources reconcile at $371,572.90 each. Not a Closing Disclosure.