Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$64,602Cash toward the purchase price.
Closing costs + prepaids$12,267Not just lender fees.
Before credits & paid funds$76,869The complete starting cash picture.
Estimated remaining funds due at closing
$76,869No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,601.74
Your down payment$64,601.74
Closing costs + prepaids$12,267.17
Total buyer cash needed$76,868.92
Remaining funds due$76,868.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,580.00
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)$1,261.25
Prepaid interest, first (30 days)$1,200.92
Fees + prepaids$12,267.17
Your down payment is the seller’s equity. You take over the $293,398 balance, so the rest of the $358,000 price is paid at closing. A second mortgage can cover part of it. $76,868.92 is due at closing. Uses and sources reconcile at $370,267.17 each. Not a Closing Disclosure.