Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$69,043Cash toward the purchase price.
Closing costs + prepaids$11,930Not just lender fees.
Before credits & paid funds$80,973The complete starting cash picture.
Estimated remaining funds due at closing
$80,973No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,043.24
Your down payment$69,043.24
Closing costs + prepaids$11,929.62
Total buyer cash needed$80,972.85
Remaining funds due$80,972.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$1,308.75
Prepaid interest, first (25 days)$796.87
Fees + prepaids$11,929.62
Your down payment is the seller’s equity. You take over the $290,857 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $80,972.85 is due at closing. Uses and sources reconcile at $371,829.62 each. Not a Closing Disclosure.