Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$46,244Cash toward the purchase price.
Closing costs + prepaids$13,457Not just lender fees.
Before credits & paid funds$59,701The complete starting cash picture.
Estimated remaining funds due at closing
$59,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,243.81
Your down payment$46,243.81
Closing costs + prepaids$13,457.17
Total buyer cash needed$59,700.97
Remaining funds due$59,700.97
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)$1,806.00
Initial HOA (3 months)$69.99
Prepaid interest, first (30 days)$1,756.18
Fees + prepaids$13,457.17
Your down payment is the seller’s equity. You take over the $313,756 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $59,700.97 is due at closing. Uses and sources reconcile at $373,457.17 each. Not a Closing Disclosure.