Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$67,303Cash toward the purchase price.
Closing costs + prepaids$10,267Not just lender fees.
Before credits & paid funds$77,570The complete starting cash picture.
Estimated remaining funds due at closing
$77,570No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,303.19
Your down payment$67,303.19
Closing costs + prepaids$10,267.20
Total buyer cash needed$77,570.39
Remaining funds due$77,570.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,090.00
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)$329.75
Prepaid interest, first (25 days)$622.45
Fees + prepaids$10,267.20
Your down payment is the seller’s equity. You take over the $241,697 balance, so the rest of the $309,000 price is paid at closing. A second mortgage can cover part of it. $77,570.39 is due at closing. Uses and sources reconcile at $319,267.20 each. Not a Closing Disclosure.