Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$105,860Cash toward the purchase price.
Closing costs + prepaids$11,314Not just lender fees.
Before credits & paid funds$117,174The complete starting cash picture.
Estimated remaining funds due at closing
$117,174No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,860.10
Your down payment$105,860.10
Closing costs + prepaids$11,313.83
Total buyer cash needed$117,173.93
Remaining funds due$117,173.93
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)$254.75
Prepaid interest, first (28 days)$1,234.08
Fees + prepaids$11,313.83
Your down payment is the seller’s equity. You take over the $254,140 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $117,173.93 is due at closing. Uses and sources reconcile at $371,313.83 each. Not a Closing Disclosure.