Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$66,794Cash toward the purchase price.
Closing costs + prepaids$11,270Not just lender fees.
Before credits & paid funds$78,064The complete starting cash picture.
Estimated remaining funds due at closing
$78,064No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,793.83
Your down payment$66,793.83
Closing costs + prepaids$11,270.12
Total buyer cash needed$78,063.95
Remaining funds due$78,063.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,390.00
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)$1,130.25
Prepaid interest, first (23 days)$524.87
Fees + prepaids$11,270.12
Your down payment is the seller’s equity. You take over the $272,206 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $78,063.95 is due at closing. Uses and sources reconcile at $350,270.12 each. Not a Closing Disclosure.