Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$162,794Cash toward the purchase price.
Closing costs + prepaids$11,307Not just lender fees.
Before credits & paid funds$174,101The complete starting cash picture.
Estimated remaining funds due at closing
$174,101No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,794.42
Your down payment$162,794.42
Closing costs + prepaids$11,306.53
Total buyer cash needed$174,100.95
Remaining funds due$174,100.95
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)$813.25
Prepaid interest, first (31 days)$668.28
Fees + prepaids$11,306.53
Your down payment is the seller’s equity. You take over the $197,206 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $174,100.95 is due at closing. Uses and sources reconcile at $371,306.53 each. Not a Closing Disclosure.