Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$67,342Cash toward the purchase price.
Closing costs + prepaids$11,136Not just lender fees.
Before credits & paid funds$78,478The complete starting cash picture.
Estimated remaining funds due at closing
$78,478No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,341.99
Your down payment$67,341.99
Closing costs + prepaids$11,136.45
Total buyer cash needed$78,478.43
Remaining funds due$78,478.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$674.75
Prepaid interest, first (13 days)$637.70
Fees + prepaids$11,136.45
Your down payment is the seller’s equity. You take over the $292,558 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $78,478.43 is due at closing. Uses and sources reconcile at $371,036.45 each. Not a Closing Disclosure.