Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$57,368Cash toward the purchase price.
Closing costs + prepaids$12,073Not just lender fees.
Before credits & paid funds$69,441The complete starting cash picture.
Estimated remaining funds due at closing
$69,441No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,368.37
Your down payment$57,368.37
Closing costs + prepaids$12,073.12
Total buyer cash needed$69,441.49
Remaining funds due$69,441.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.00
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)$1,147.00
Prepaid interest, first (26 days)$1,302.12
Fees + prepaids$12,073.12
Your down payment is the seller’s equity. You take over the $282,532 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $69,441.49 is due at closing. Uses and sources reconcile at $351,973.12 each. Not a Closing Disclosure.