Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$60,597Cash toward the purchase price.
Closing costs + prepaids$11,915Not just lender fees.
Before credits & paid funds$72,512The complete starting cash picture.
Estimated remaining funds due at closing
$72,512No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,597.15
Your down payment$60,597.15
Closing costs + prepaids$11,915.05
Total buyer cash needed$72,512.20
Remaining funds due$72,512.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,330.00
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)$832.50
Prepaid interest, first (28 days)$1,527.55
Fees + prepaids$11,915.05
Your down payment is the seller’s equity. You take over the $272,403 balance, so the rest of the $333,000 price is paid at closing. A second mortgage can cover part of it. $72,512.20 is due at closing. Uses and sources reconcile at $344,915.05 each. Not a Closing Disclosure.