Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$30,159Cash toward the purchase price.
Closing costs + prepaids$11,915Not just lender fees.
Before credits & paid funds$42,074The complete starting cash picture.
Estimated remaining funds due at closing
$42,074No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,158.55
Your down payment$30,158.55
Closing costs + prepaids$11,915.11
Total buyer cash needed$42,073.66
Remaining funds due$42,073.66
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)$544.00
Initial HOA (3 months)$291.00
Prepaid interest, first (19 days)$1,255.11
Fees + prepaids$11,915.11
Your down payment is the seller’s equity. You take over the $329,841 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $42,073.66 is due at closing. Uses and sources reconcile at $371,915.11 each. Not a Closing Disclosure.