Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$59,638Cash toward the purchase price.
Closing costs + prepaids$9,766Not just lender fees.
Before credits & paid funds$69,404The complete starting cash picture.
Estimated remaining funds due at closing
$69,404No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,637.93
Your down payment$59,637.93
Closing costs + prepaids$9,766.18
Total buyer cash needed$69,404.11
Remaining funds due$69,404.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,350.00
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)$139.50
Prepaid interest, first (1 days)$51.68
Fees + prepaids$9,766.18
Your down payment is the seller’s equity. You take over the $275,362 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $69,404.11 is due at closing. Uses and sources reconcile at $344,766.18 each. Not a Closing Disclosure.