Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$63,631Cash toward the purchase price.
Closing costs + prepaids$9,850Not just lender fees.
Before credits & paid funds$73,481The complete starting cash picture.
Estimated remaining funds due at closing
$73,481No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,631.28
Your down payment$63,631.28
Closing costs + prepaids$9,849.51
Total buyer cash needed$73,480.79
Remaining funds due$73,480.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,390.00
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)$182.00
Prepaid interest, first (1 days)$52.51
Fees + prepaids$9,849.51
Your down payment is the seller’s equity. You take over the $275,369 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $73,480.79 is due at closing. Uses and sources reconcile at $348,849.51 each. Not a Closing Disclosure.