Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$113,700Cash toward the purchase price.
Closing costs + prepaids$13,171Not just lender fees.
Before credits & paid funds$126,871The complete starting cash picture.
Estimated remaining funds due at closing
$126,871No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,699.66
Your down payment$113,699.66
Closing costs + prepaids$13,171.12
Total buyer cash needed$126,870.78
Remaining funds due$126,870.78
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)$1,192.50
Initial HOA (3 months)$1,593.00
Prepaid interest, first (31 days)$560.62
Fees + prepaids$13,171.12
Your down payment is the seller’s equity. You take over the $246,300 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $126,870.78 is due at closing. Uses and sources reconcile at $373,171.12 each. Not a Closing Disclosure.