Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$15,600Cash toward the purchase price.
Closing costs + prepaids$12,190Not just lender fees.
Before credits & paid funds$27,790The complete starting cash picture.
Estimated remaining funds due at closing
$27,790No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,600.27
Your down payment$15,600.27
Closing costs + prepaids$12,189.59
Total buyer cash needed$27,789.86
Remaining funds due$27,789.86
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)$572.00
Initial HOA (3 months)$333.00
Prepaid interest, first (31 days)$1,459.59
Fees + prepaids$12,189.59
Your down payment is the seller’s equity. You take over the $344,400 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $27,789.86 is due at closing. Uses and sources reconcile at $372,189.59 each. Not a Closing Disclosure.