Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$66,204Cash toward the purchase price.
Closing costs + prepaids$12,046Not just lender fees.
Before credits & paid funds$78,251The complete starting cash picture.
Estimated remaining funds due at closing
$78,251No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,204.38
Your down payment$66,204.38
Closing costs + prepaids$12,046.23
Total buyer cash needed$78,250.62
Remaining funds due$78,250.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,489.50
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)$1,409.75
Prepaid interest, first (22 days)$921.98
Fees + prepaids$12,046.23
Your down payment is the seller’s equity. You take over the $282,746 balance, so the rest of the $348,950 price is paid at closing. A second mortgage can cover part of it. $78,250.62 is due at closing. Uses and sources reconcile at $360,996.23 each. Not a Closing Disclosure.