Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$305,892Cash toward the purchase price.
Closing costs + prepaids$10,165Not just lender fees.
Before credits & paid funds$316,057The complete starting cash picture.
Estimated remaining funds due at closing
$316,057No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$305,891.93
Your down payment$305,891.93
Closing costs + prepaids$10,164.63
Total buyer cash needed$316,056.56
Remaining funds due$316,056.56
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)$133.50
Prepaid interest, first (27 days)$206.13
Fees + prepaids$10,164.63
Your down payment is the seller’s equity. You take over the $54,108 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $316,056.56 is due at closing. Uses and sources reconcile at $370,164.63 each. Not a Closing Disclosure.