Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$104,558Cash toward the purchase price.
Closing costs + prepaids$10,727Not just lender fees.
Before credits & paid funds$115,286The complete starting cash picture.
Estimated remaining funds due at closing
$115,286No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,558.19
Your down payment$104,558.19
Closing costs + prepaids$10,727.41
Total buyer cash needed$115,285.60
Remaining funds due$115,285.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.00
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)$346.75
Initial HOA (3 months)$195.00
Prepaid interest, first (31 days)$561.66
Fees + prepaids$10,727.41
Your down payment is the seller’s equity. You take over the $235,342 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $115,285.60 is due at closing. Uses and sources reconcile at $350,627.41 each. Not a Closing Disclosure.