Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$74,570Cash toward the purchase price.
Closing costs + prepaids$11,615Not just lender fees.
Before credits & paid funds$86,184The complete starting cash picture.
Estimated remaining funds due at closing
$86,184No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,569.52
Your down payment$74,569.52
Closing costs + prepaids$11,614.74
Total buyer cash needed$86,184.25
Remaining funds due$86,184.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,349.99
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)$1,057.25
Prepaid interest, first (27 days)$982.50
Fees + prepaids$11,614.74
Your down payment is the seller’s equity. You take over the $260,429 balance, so the rest of the $334,999 price is paid at closing. A second mortgage can cover part of it. $86,184.25 is due at closing. Uses and sources reconcile at $346,613.74 each. Not a Closing Disclosure.