Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$55,794Cash toward the purchase price.
Closing costs + prepaids$10,736Not just lender fees.
Before credits & paid funds$66,530The complete starting cash picture.
Estimated remaining funds due at closing
$66,530No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,793.50
Your down payment$55,793.50
Closing costs + prepaids$10,736.12
Total buyer cash needed$66,529.63
Remaining funds due$66,529.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,280.00
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)$84.50
Prepaid interest, first (25 days)$1,146.62
Fees + prepaids$10,736.12
Your down payment is the seller’s equity. You take over the $272,206 balance, so the rest of the $328,000 price is paid at closing. A second mortgage can cover part of it. $66,529.63 is due at closing. Uses and sources reconcile at $338,736.12 each. Not a Closing Disclosure.