Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$63,382Cash toward the purchase price.
Closing costs + prepaids$10,874Not just lender fees.
Before credits & paid funds$74,257The complete starting cash picture.
Estimated remaining funds due at closing
$74,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,382.07
Your down payment$63,382.07
Closing costs + prepaids$10,874.50
Total buyer cash needed$74,256.57
Remaining funds due$74,256.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,350.00
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)$330.75
Prepaid interest, first (23 days)$968.75
Fees + prepaids$10,874.50
Your down payment is the seller’s equity. You take over the $271,618 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $74,256.57 is due at closing. Uses and sources reconcile at $345,874.50 each. Not a Closing Disclosure.