Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$70,257Cash toward the purchase price.
Closing costs + prepaids$10,062Not just lender fees.
Before credits & paid funds$80,318The complete starting cash picture.
Estimated remaining funds due at closing
$80,318No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,256.50
Your down payment$70,256.50
Closing costs + prepaids$10,061.80
Total buyer cash needed$80,318.30
Remaining funds due$80,318.30
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 (2 days)$49.05
Fees + prepaids$10,061.80
Your down payment is the seller’s equity. You take over the $288,743 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $80,318.30 is due at closing. Uses and sources reconcile at $369,061.80 each. Not a Closing Disclosure.