Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$271,112Cash toward the purchase price.
Closing costs + prepaids$10,385Not just lender fees.
Before credits & paid funds$281,497The complete starting cash picture.
Estimated remaining funds due at closing
$281,497No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$271,112.21
Your down payment$271,112.21
Closing costs + prepaids$10,384.70
Total buyer cash needed$281,496.91
Remaining funds due$281,496.91
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)$299.25
Prepaid interest, first (31 days)$260.45
Fees + prepaids$10,384.70
Your down payment is the seller’s equity. You take over the $88,888 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $281,496.91 is due at closing. Uses and sources reconcile at $370,384.70 each. Not a Closing Disclosure.