Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$70,657Cash toward the purchase price.
Closing costs + prepaids$11,602Not just lender fees.
Before credits & paid funds$82,258The complete starting cash picture.
Estimated remaining funds due at closing
$82,258No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,656.68
Your down payment$70,656.68
Closing costs + prepaids$11,601.77
Total buyer cash needed$82,258.45
Remaining funds due$82,258.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,390.00
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)$1,448.25
Prepaid interest, first (25 days)$538.52
Fees + prepaids$11,601.77
Your down payment is the seller’s equity. You take over the $268,343 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $82,258.45 is due at closing. Uses and sources reconcile at $350,601.77 each. Not a Closing Disclosure.