Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$59,192Cash toward the purchase price.
Closing costs + prepaids$11,122Not just lender fees.
Before credits & paid funds$70,314The complete starting cash picture.
Estimated remaining funds due at closing
$70,314No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,191.88
Your down payment$59,191.88
Closing costs + prepaids$11,122.22
Total buyer cash needed$70,314.09
Remaining funds due$70,314.09
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)$144.75
Prepaid interest, first (23 days)$1,152.47
Fees + prepaids$11,122.22
Your down payment is the seller’s equity. You take over the $300,808 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $70,314.09 is due at closing. Uses and sources reconcile at $371,122.22 each. Not a Closing Disclosure.