Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$68,511Cash toward the purchase price.
Closing costs + prepaids$10,042Not just lender fees.
Before credits & paid funds$78,552The complete starting cash picture.
Estimated remaining funds due at closing
$78,552No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,510.58
Your down payment$68,510.58
Closing costs + prepaids$10,041.62
Total buyer cash needed$78,552.20
Remaining funds due$78,552.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,090.00
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)$386.25
Prepaid interest, first (14 days)$340.37
Fees + prepaids$10,041.62
Your down payment is the seller’s equity. You take over the $240,489 balance, so the rest of the $309,000 price is paid at closing. A second mortgage can cover part of it. $78,552.20 is due at closing. Uses and sources reconcile at $319,041.62 each. Not a Closing Disclosure.