Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$66,781Cash toward the purchase price.
Closing costs + prepaids$11,114Not just lender fees.
Before credits & paid funds$77,896The complete starting cash picture.
Estimated remaining funds due at closing
$77,896No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,781.19
Your down payment$66,781.19
Closing costs + prepaids$11,114.38
Total buyer cash needed$77,895.57
Remaining funds due$77,895.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
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)$456.25
Prepaid interest, first (15 days)$783.13
Fees + prepaids$11,114.38
Your down payment is the seller’s equity. You take over the $298,219 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $77,895.57 is due at closing. Uses and sources reconcile at $376,114.38 each. Not a Closing Disclosure.