Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$72,146Cash toward the purchase price.
Closing costs + prepaids$12,100Not just lender fees.
Before credits & paid funds$84,246The complete starting cash picture.
Estimated remaining funds due at closing
$84,246No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,145.53
Your down payment$72,145.53
Closing costs + prepaids$12,100.10
Total buyer cash needed$84,245.63
Remaining funds due$84,245.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.00
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)$1,096.25
Prepaid interest, first (30 days)$1,379.85
Fees + prepaids$12,100.10
Your down payment is the seller’s equity. You take over the $267,754 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $84,245.63 is due at closing. Uses and sources reconcile at $352,000.10 each. Not a Closing Disclosure.