Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$104,989Cash toward the purchase price.
Closing costs + prepaids$10,354Not just lender fees.
Before credits & paid funds$115,343The complete starting cash picture.
Estimated remaining funds due at closing
$115,343No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,988.76
Your down payment$104,988.76
Closing costs + prepaids$10,353.79
Total buyer cash needed$115,342.55
Remaining funds due$115,342.55
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)$219.25
Initial HOA (3 months)$270.00
Prepaid interest, first (2 days)$39.54
Fees + prepaids$10,353.79
Your down payment is the seller’s equity. You take over the $255,011 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $115,342.55 is due at closing. Uses and sources reconcile at $370,353.79 each. Not a Closing Disclosure.