Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$61,402Cash toward the purchase price.
Closing costs + prepaids$11,535Not just lender fees.
Before credits & paid funds$72,937The complete starting cash picture.
Estimated remaining funds due at closing
$72,937No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,402.12
Your down payment$61,402.12
Closing costs + prepaids$11,534.93
Total buyer cash needed$72,937.05
Remaining funds due$72,937.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,190.00
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)$797.50
Prepaid interest, first (27 days)$1,322.43
Fees + prepaids$11,534.93
Your down payment is the seller’s equity. You take over the $257,598 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $72,937.05 is due at closing. Uses and sources reconcile at $330,534.93 each. Not a Closing Disclosure.