Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$299,447Cash toward the purchase price.
Closing costs + prepaids$10,377Not just lender fees.
Before credits & paid funds$309,823The complete starting cash picture.
Estimated remaining funds due at closing
$309,823No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$299,446.65
Your down payment$299,446.65
Closing costs + prepaids$10,376.73
Total buyer cash needed$309,823.38
Remaining funds due$309,823.38
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)$265.25
Initial HOA (3 months)$279.00
Prepaid interest, first (1 days)$7.48
Fees + prepaids$10,376.73
Your down payment is the seller’s equity. You take over the $60,553 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $309,823.38 is due at closing. Uses and sources reconcile at $370,376.73 each. Not a Closing Disclosure.