Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$54,565Cash toward the purchase price.
Closing costs + prepaids$11,238Not just lender fees.
Before credits & paid funds$65,803The complete starting cash picture.
Estimated remaining funds due at closing
$65,803No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,565.26
Your down payment$54,565.26
Closing costs + prepaids$11,237.69
Total buyer cash needed$65,802.95
Remaining funds due$65,802.95
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)$506.25
Initial HOA (3 months)$258.00
Prepaid interest, first (27 days)$648.44
Fees + prepaids$11,237.69
Your down payment is the seller’s equity. You take over the $305,435 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $65,802.95 is due at closing. Uses and sources reconcile at $371,237.69 each. Not a Closing Disclosure.