Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$233,349Cash toward the purchase price.
Closing costs + prepaids$11,195Not just lender fees.
Before credits & paid funds$244,544The complete starting cash picture.
Estimated remaining funds due at closing
$244,544No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,348.64
Your down payment$233,348.64
Closing costs + prepaids$11,195.06
Total buyer cash needed$244,543.70
Remaining funds due$244,543.70
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)$799.50
Initial HOA (3 months)$157.50
Prepaid interest, first (31 days)$413.06
Fees + prepaids$11,195.06
Your down payment is the seller’s equity. You take over the $126,651 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $244,543.70 is due at closing. Uses and sources reconcile at $371,195.06 each. Not a Closing Disclosure.