Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$66,491Cash toward the purchase price.
Closing costs + prepaids$11,765Not just lender fees.
Before credits & paid funds$78,256The complete starting cash picture.
Estimated remaining funds due at closing
$78,256No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,490.99
Your down payment$66,490.99
Closing costs + prepaids$11,765.01
Total buyer cash needed$78,256.00
Remaining funds due$78,256.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,597.77
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)$634.75
Prepaid interest, first (24 days)$1,307.49
Fees + prepaids$11,765.01
Your down payment is the seller’s equity. You take over the $293,286 balance, so the rest of the $359,777 price is paid at closing. A second mortgage can cover part of it. $78,256.00 is due at closing. Uses and sources reconcile at $371,542.01 each. Not a Closing Disclosure.