Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$305,633Cash toward the purchase price.
Closing costs + prepaids$9,966Not just lender fees.
Before credits & paid funds$315,599The complete starting cash picture.
Estimated remaining funds due at closing
$315,599No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$305,632.96
Your down payment$305,632.96
Closing costs + prepaids$9,966.17
Total buyer cash needed$315,599.13
Remaining funds due$315,599.13
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 (1 days)$7.67
Fees + prepaids$9,966.17
Your down payment is the seller’s equity. You take over the $54,367 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $315,599.13 is due at closing. Uses and sources reconcile at $369,966.17 each. Not a Closing Disclosure.