Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$69,271Cash toward the purchase price.
Closing costs + prepaids$11,103Not just lender fees.
Before credits & paid funds$80,374The complete starting cash picture.
Estimated remaining funds due at closing
$80,374No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,271.19
Your down payment$69,271.19
Closing costs + prepaids$11,102.59
Total buyer cash needed$80,373.78
Remaining funds due$80,373.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.99
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)$408.00
Initial HOA (3 months)$615.00
Prepaid interest, first (9 days)$454.60
Fees + prepaids$11,102.59
Your down payment is the seller’s equity. You take over the $270,728 balance, so the rest of the $339,999 price is paid at closing. A second mortgage can cover part of it. $80,373.78 is due at closing. Uses and sources reconcile at $351,101.59 each. Not a Closing Disclosure.