Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$69,298Cash toward the purchase price.
Closing costs + prepaids$11,637Not just lender fees.
Before credits & paid funds$80,935The complete starting cash picture.
Estimated remaining funds due at closing
$80,935No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,297.51
Your down payment$69,297.51
Closing costs + prepaids$11,637.16
Total buyer cash needed$80,934.67
Remaining funds due$80,934.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,369.00
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)$820.25
Prepaid interest, first (24 days)$1,222.91
Fees + prepaids$11,637.16
Your down payment is the seller’s equity. You take over the $267,602 balance, so the rest of the $336,900 price is paid at closing. A second mortgage can cover part of it. $80,934.67 is due at closing. Uses and sources reconcile at $348,537.16 each. Not a Closing Disclosure.