Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$63,688Cash toward the purchase price.
Closing costs + prepaids$10,872Not just lender fees.
Before credits & paid funds$74,560The complete starting cash picture.
Estimated remaining funds due at closing
$74,560No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,687.92
Your down payment$63,687.92
Closing costs + prepaids$10,871.69
Total buyer cash needed$74,559.62
Remaining funds due$74,559.62
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)$432.00
Initial HOA (3 months)$339.00
Prepaid interest, first (12 days)$275.69
Fees + prepaids$10,871.69
Your down payment is the seller’s equity. You take over the $296,312 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $74,559.62 is due at closing. Uses and sources reconcile at $370,871.69 each. Not a Closing Disclosure.