Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$69,944Cash toward the purchase price.
Closing costs + prepaids$12,113Not just lender fees.
Before credits & paid funds$82,057The complete starting cash picture.
Estimated remaining funds due at closing
$82,057No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,944.13
Your down payment$69,944.13
Closing costs + prepaids$12,112.71
Total buyer cash needed$82,056.85
Remaining funds due$82,056.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,440.00
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)$860.00
Initial HOA (3 months)$21.24
Prepaid interest, first (31 days)$1,566.47
Fees + prepaids$12,112.71
Your down payment is the seller’s equity. You take over the $274,056 balance, so the rest of the $344,000 price is paid at closing. A second mortgage can cover part of it. $82,056.85 is due at closing. Uses and sources reconcile at $356,112.71 each. Not a Closing Disclosure.