Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$57,236Cash toward the purchase price.
Closing costs + prepaids$11,499Not just lender fees.
Before credits & paid funds$68,735The complete starting cash picture.
Estimated remaining funds due at closing
$68,735No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,236.24
Your down payment$57,236.24
Closing costs + prepaids$11,499.08
Total buyer cash needed$68,735.32
Remaining funds due$68,735.32
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)$1,163.75
Prepaid interest, first (24 days)$761.33
Fees + prepaids$11,499.08
Your down payment is the seller’s equity. You take over the $277,664 balance, so the rest of the $334,900 price is paid at closing. A second mortgage can cover part of it. $68,735.32 is due at closing. Uses and sources reconcile at $346,399.08 each. Not a Closing Disclosure.