Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$69,642Cash toward the purchase price.
Closing costs + prepaids$11,466Not just lender fees.
Before credits & paid funds$81,108The complete starting cash picture.
Estimated remaining funds due at closing
$81,108No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,641.61
Your down payment$69,641.61
Closing costs + prepaids$11,466.40
Total buyer cash needed$81,108.01
Remaining funds due$81,108.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,124.00
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)$808.50
Prepaid interest, first (30 days)$1,308.90
Fees + prepaids$11,466.40
Your down payment is the seller’s equity. You take over the $242,758 balance, so the rest of the $312,400 price is paid at closing. A second mortgage can cover part of it. $81,108.01 is due at closing. Uses and sources reconcile at $323,866.40 each. Not a Closing Disclosure.