Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$68,316Cash toward the purchase price.
Closing costs + prepaids$11,322Not just lender fees.
Before credits & paid funds$79,638The complete starting cash picture.
Estimated remaining funds due at closing
$79,638No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,316.34
Your down payment$68,316.34
Closing costs + prepaids$11,321.64
Total buyer cash needed$79,637.99
Remaining funds due$79,637.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,475.00
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)$855.25
Initial HOA (3 months)$27.51
Prepaid interest, first (28 days)$738.88
Fees + prepaids$11,321.64
Your down payment is the seller’s equity. You take over the $279,184 balance, so the rest of the $347,500 price is paid at closing. A second mortgage can cover part of it. $79,637.99 is due at closing. Uses and sources reconcile at $358,821.64 each. Not a Closing Disclosure.