Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$66,417Cash toward the purchase price.
Closing costs + prepaids$12,087Not just lender fees.
Before credits & paid funds$78,504The complete starting cash picture.
Estimated remaining funds due at closing
$78,504No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,416.57
Your down payment$66,416.57
Closing costs + prepaids$12,087.23
Total buyer cash needed$78,503.80
Remaining funds due$78,503.80
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)$1,280.25
Prepaid interest, first (24 days)$1,082.98
Fees + prepaids$12,087.23
Your down payment is the seller’s equity. You take over the $283,483 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $78,503.80 is due at closing. Uses and sources reconcile at $361,987.23 each. Not a Closing Disclosure.