Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$60,374Cash toward the purchase price.
Closing costs + prepaids$10,671Not just lender fees.
Before credits & paid funds$71,046The complete starting cash picture.
Estimated remaining funds due at closing
$71,046No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,374.35
Your down payment$60,374.35
Closing costs + prepaids$10,671.30
Total buyer cash needed$71,045.65
Remaining funds due$71,045.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.00
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)$432.50
Prepaid interest, first (22 days)$514.80
Fees + prepaids$10,671.30
Your down payment is the seller’s equity. You take over the $289,526 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $71,045.65 is due at closing. Uses and sources reconcile at $360,571.30 each. Not a Closing Disclosure.