Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$61,976Cash toward the purchase price.
Closing costs + prepaids$10,815Not just lender fees.
Before credits & paid funds$72,792The complete starting cash picture.
Estimated remaining funds due at closing
$72,792No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,976.26
Your down payment$61,976.26
Closing costs + prepaids$10,815.49
Total buyer cash needed$72,791.75
Remaining funds due$72,791.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.50
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)$1,191.00
Prepaid interest, first (2 days)$99.99
Fees + prepaids$10,815.49
Your down payment is the seller’s equity. You take over the $267,974 balance, so the rest of the $329,950 price is paid at closing. A second mortgage can cover part of it. $72,791.75 is due at closing. Uses and sources reconcile at $340,765.49 each. Not a Closing Disclosure.