Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$78,679Cash toward the purchase price.
Closing costs + prepaids$10,462Not just lender fees.
Before credits & paid funds$89,141The complete starting cash picture.
Estimated remaining funds due at closing
$89,141No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,678.74
Your down payment$78,678.74
Closing costs + prepaids$10,462.09
Total buyer cash needed$89,140.83
Remaining funds due$89,140.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,490.00
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)$25.00
Prepaid interest, first (30 days)$722.09
Fees + prepaids$10,462.09
Your down payment is the seller’s equity. You take over the $270,321 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $89,140.83 is due at closing. Uses and sources reconcile at $359,462.09 each. Not a Closing Disclosure.