Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$65,530Cash toward the purchase price.
Closing costs + prepaids$10,707Not just lender fees.
Before credits & paid funds$76,237The complete starting cash picture.
Estimated remaining funds due at closing
$76,237No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,529.64
Your down payment$65,529.64
Closing costs + prepaids$10,707.35
Total buyer cash needed$76,236.99
Remaining funds due$76,236.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,395.00
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)$407.50
Initial HOA (3 months)$246.00
Prepaid interest, first (10 days)$433.85
Fees + prepaids$10,707.35
Your down payment is the seller’s equity. You take over the $273,970 balance, so the rest of the $339,500 price is paid at closing. A second mortgage can cover part of it. $76,236.99 is due at closing. Uses and sources reconcile at $350,207.35 each. Not a Closing Disclosure.