Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$72,752Cash toward the purchase price.
Closing costs + prepaids$11,070Not just lender fees.
Before credits & paid funds$83,821The complete starting cash picture.
Estimated remaining funds due at closing
$83,821No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,751.73
Your down payment$72,751.73
Closing costs + prepaids$11,069.54
Total buyer cash needed$83,821.26
Remaining funds due$83,821.26
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)$450.00
Prepaid interest, first (16 days)$794.54
Fees + prepaids$11,069.54
Your down payment is the seller’s equity. You take over the $287,248 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $83,821.26 is due at closing. Uses and sources reconcile at $371,069.54 each. Not a Closing Disclosure.