Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$62,193Cash toward the purchase price.
Closing costs + prepaids$10,432Not just lender fees.
Before credits & paid funds$72,625The complete starting cash picture.
Estimated remaining funds due at closing
$72,625No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,192.66
Your down payment$62,192.66
Closing costs + prepaids$10,432.36
Total buyer cash needed$72,625.02
Remaining funds due$72,625.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.99
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)$128.50
Prepaid interest, first (23 days)$878.87
Fees + prepaids$10,432.36
Your down payment is the seller’s equity. You take over the $257,806 balance, so the rest of the $319,999 price is paid at closing. A second mortgage can cover part of it. $72,625.02 is due at closing. Uses and sources reconcile at $330,431.36 each. Not a Closing Disclosure.