Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$16,849Cash toward the purchase price.
Closing costs + prepaids$12,582Not just lender fees.
Before credits & paid funds$29,431The complete starting cash picture.
Estimated remaining funds due at closing
$29,431No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,849.15
Your down payment$16,849.15
Closing costs + prepaids$12,581.88
Total buyer cash needed$29,431.03
Remaining funds due$29,431.03
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)$1,186.50
Initial HOA (3 months)$257.01
Prepaid interest, first (22 days)$1,313.37
Fees + prepaids$12,581.88
Your down payment is the seller’s equity. You take over the $343,151 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $29,431.03 is due at closing. Uses and sources reconcile at $372,581.88 each. Not a Closing Disclosure.