Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$59,530Cash toward the purchase price.
Closing costs + prepaids$11,561Not just lender fees.
Before credits & paid funds$71,091The complete starting cash picture.
Estimated remaining funds due at closing
$71,091No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,529.70
Your down payment$59,529.70
Closing costs + prepaids$11,561.23
Total buyer cash needed$71,090.93
Remaining funds due$71,090.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,230.00
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)$807.50
Prepaid interest, first (26 days)$1,298.73
Fees + prepaids$11,561.23
Your down payment is the seller’s equity. You take over the $263,470 balance, so the rest of the $323,000 price is paid at closing. A second mortgage can cover part of it. $71,090.93 is due at closing. Uses and sources reconcile at $334,561.23 each. Not a Closing Disclosure.