Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$64,429Cash toward the purchase price.
Closing costs + prepaids$12,064Not just lender fees.
Before credits & paid funds$76,493The complete starting cash picture.
Estimated remaining funds due at closing
$76,493No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,429.00
Your down payment$64,429.00
Closing costs + prepaids$12,063.77
Total buyer cash needed$76,492.77
Remaining funds due$76,492.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,449.00
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)$1,652.25
Initial HOA (3 months)$69.00
Prepaid interest, first (30 days)$668.52
Fees + prepaids$12,063.77
Your down payment is the seller’s equity. You take over the $280,471 balance, so the rest of the $344,900 price is paid at closing. A second mortgage can cover part of it. $76,492.77 is due at closing. Uses and sources reconcile at $356,963.77 each. Not a Closing Disclosure.