Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$73,592Cash toward the purchase price.
Closing costs + prepaids$10,804Not just lender fees.
Before credits & paid funds$84,397The complete starting cash picture.
Estimated remaining funds due at closing
$84,397No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,592.45
Your down payment$73,592.45
Closing costs + prepaids$10,804.29
Total buyer cash needed$84,396.74
Remaining funds due$84,396.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,390.00
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)$423.75
Prepaid interest, first (16 days)$765.54
Fees + prepaids$10,804.29
Your down payment is the seller’s equity. You take over the $265,408 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $84,396.74 is due at closing. Uses and sources reconcile at $349,804.29 each. Not a Closing Disclosure.