Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$175,120Cash toward the purchase price.
Closing costs + prepaids$11,296Not just lender fees.
Before credits & paid funds$186,416The complete starting cash picture.
Estimated remaining funds due at closing
$186,416No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,119.53
Your down payment$175,119.53
Closing costs + prepaids$11,296.07
Total buyer cash needed$186,415.60
Remaining funds due$186,415.60
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)$1,019.00
Prepaid interest, first (25 days)$452.07
Fees + prepaids$11,296.07
Your down payment is the seller’s equity. You take over the $184,880 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $186,415.60 is due at closing. Uses and sources reconcile at $371,296.07 each. Not a Closing Disclosure.