Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$70,942Cash toward the purchase price.
Closing costs + prepaids$11,733Not just lender fees.
Before credits & paid funds$82,675The complete starting cash picture.
Estimated remaining funds due at closing
$82,675No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,941.62
Your down payment$70,941.62
Closing costs + prepaids$11,733.06
Total buyer cash needed$82,674.68
Remaining funds due$82,674.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
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)$570.25
Prepaid interest, first (23 days)$1,287.81
Fees + prepaids$11,733.06
Your down payment is the seller’s equity. You take over the $294,058 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $82,674.68 is due at closing. Uses and sources reconcile at $376,733.06 each. Not a Closing Disclosure.