Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$69,411Cash toward the purchase price.
Closing costs + prepaids$10,907Not just lender fees.
Before credits & paid funds$80,318The complete starting cash picture.
Estimated remaining funds due at closing
$80,318No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,411.12
Your down payment$69,411.12
Closing costs + prepaids$10,906.62
Total buyer cash needed$80,317.74
Remaining funds due$80,317.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,475.00
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)$269.50
Prepaid interest, first (20 days)$937.12
Fees + prepaids$10,906.62
Your down payment is the seller’s equity. You take over the $278,089 balance, so the rest of the $347,500 price is paid at closing. A second mortgage can cover part of it. $80,317.74 is due at closing. Uses and sources reconcile at $358,406.62 each. Not a Closing Disclosure.