Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$70,886Cash toward the purchase price.
Closing costs + prepaids$10,771Not just lender fees.
Before credits & paid funds$81,657The complete starting cash picture.
Estimated remaining funds due at closing
$81,657No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,885.83
Your down payment$70,885.83
Closing costs + prepaids$10,771.32
Total buyer cash needed$81,657.15
Remaining funds due$81,657.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,590.00
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)$197.75
Prepaid interest, first (31 days)$758.57
Fees + prepaids$10,771.32
Your down payment is the seller’s equity. You take over the $288,114 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $81,657.15 is due at closing. Uses and sources reconcile at $369,771.32 each. Not a Closing Disclosure.