Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$57,838Cash toward the purchase price.
Closing costs + prepaids$10,565Not just lender fees.
Before credits & paid funds$68,403The complete starting cash picture.
Estimated remaining funds due at closing
$68,403No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,837.63
Your down payment$57,837.63
Closing costs + prepaids$10,565.18
Total buyer cash needed$68,402.81
Remaining funds due$68,402.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,140.00
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)$237.50
Prepaid interest, first (29 days)$962.68
Fees + prepaids$10,565.18
Your down payment is the seller’s equity. You take over the $256,162 balance, so the rest of the $314,000 price is paid at closing. A second mortgage can cover part of it. $68,402.81 is due at closing. Uses and sources reconcile at $324,565.18 each. Not a Closing Disclosure.