Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$72,410Cash toward the purchase price.
Closing costs + prepaids$11,951Not just lender fees.
Before credits & paid funds$84,361The complete starting cash picture.
Estimated remaining funds due at closing
$84,361No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,409.83
Your down payment$72,409.83
Closing costs + prepaids$11,950.87
Total buyer cash needed$84,360.70
Remaining funds due$84,360.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,485.00
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)$928.50
Prepaid interest, first (25 days)$1,312.37
Fees + prepaids$11,950.87
Your down payment is the seller’s equity. You take over the $276,090 balance, so the rest of the $348,500 price is paid at closing. A second mortgage can cover part of it. $84,360.70 is due at closing. Uses and sources reconcile at $360,450.87 each. Not a Closing Disclosure.