Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$70,704Cash toward the purchase price.
Closing costs + prepaids$10,555Not just lender fees.
Before credits & paid funds$81,259The complete starting cash picture.
Estimated remaining funds due at closing
$81,259No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,703.63
Your down payment$70,703.63
Closing costs + prepaids$10,555.49
Total buyer cash needed$81,259.12
Remaining funds due$81,259.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,500.00
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)$212.75
Prepaid interest, first (27 days)$617.74
Fees + prepaids$10,555.49
Your down payment is the seller’s equity. You take over the $279,296 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $81,259.12 is due at closing. Uses and sources reconcile at $360,555.49 each. Not a Closing Disclosure.