Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$57,856Cash toward the purchase price.
Closing costs + prepaids$11,933Not just lender fees.
Before credits & paid funds$69,789The complete starting cash picture.
Estimated remaining funds due at closing
$69,789No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,855.53
Your down payment$57,855.53
Closing costs + prepaids$11,933.33
Total buyer cash needed$69,788.86
Remaining funds due$69,788.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.00
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)$1,079.00
Prepaid interest, first (29 days)$1,430.33
Fees + prepaids$11,933.33
Your down payment is the seller’s equity. You take over the $262,044 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $69,788.86 is due at closing. Uses and sources reconcile at $331,833.33 each. Not a Closing Disclosure.