Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$127,803Cash toward the purchase price.
Closing costs + prepaids$10,977Not just lender fees.
Before credits & paid funds$138,780The complete starting cash picture.
Estimated remaining funds due at closing
$138,780No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,802.84
Your down payment$127,802.84
Closing costs + prepaids$10,977.25
Total buyer cash needed$138,780.10
Remaining funds due$138,780.10
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)$140.00
Prepaid interest, first (26 days)$1,012.25
Fees + prepaids$10,977.25
Your down payment is the seller’s equity. You take over the $232,197 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $138,780.10 is due at closing. Uses and sources reconcile at $370,977.25 each. Not a Closing Disclosure.