Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$67,954Cash toward the purchase price.
Closing costs + prepaids$10,986Not just lender fees.
Before credits & paid funds$78,940The complete starting cash picture.
Estimated remaining funds due at closing
$78,940No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,954.35
Your down payment$67,954.35
Closing costs + prepaids$10,985.52
Total buyer cash needed$78,939.86
Remaining funds due$78,939.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,349.00
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)$321.50
Prepaid interest, first (27 days)$1,090.02
Fees + prepaids$10,985.52
Your down payment is the seller’s equity. You take over the $266,946 balance, so the rest of the $334,900 price is paid at closing. A second mortgage can cover part of it. $78,939.86 is due at closing. Uses and sources reconcile at $345,885.52 each. Not a Closing Disclosure.