Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$15,067Cash toward the purchase price.
Closing costs + prepaids$11,362Not just lender fees.
Before credits & paid funds$26,429The complete starting cash picture.
Estimated remaining funds due at closing
$26,429No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,066.96
Your down payment$15,066.96
Closing costs + prepaids$11,361.56
Total buyer cash needed$26,428.51
Remaining funds due$26,428.51
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)$221.25
Initial HOA (3 months)$150.00
Prepaid interest, first (19 days)$1,165.31
Fees + prepaids$11,361.56
Your down payment is the seller’s equity. You take over the $344,933 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $26,428.51 is due at closing. Uses and sources reconcile at $371,361.56 each. Not a Closing Disclosure.