Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$60,064Cash toward the purchase price.
Closing costs + prepaids$11,099Not just lender fees.
Before credits & paid funds$71,163The complete starting cash picture.
Estimated remaining funds due at closing
$71,163No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,064.42
Your down payment$60,064.42
Closing costs + prepaids$11,098.90
Total buyer cash needed$71,163.32
Remaining funds due$71,163.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,370.00
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)$495.25
Prepaid interest, first (23 days)$1,008.65
Fees + prepaids$11,098.90
Your down payment is the seller’s equity. You take over the $276,936 balance, so the rest of the $337,000 price is paid at closing. A second mortgage can cover part of it. $71,163.32 is due at closing. Uses and sources reconcile at $348,098.90 each. Not a Closing Disclosure.