Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$103,313Cash toward the purchase price.
Closing costs + prepaids$10,720Not just lender fees.
Before credits & paid funds$114,033The complete starting cash picture.
Estimated remaining funds due at closing
$114,033No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,312.70
Your down payment$103,312.70
Closing costs + prepaids$10,720.21
Total buyer cash needed$114,032.91
Remaining funds due$114,032.91
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)$695.50
Prepaid interest, first (22 days)$400.71
Fees + prepaids$10,720.21
Your down payment is the seller’s equity. You take over the $236,587 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $114,032.91 is due at closing. Uses and sources reconcile at $350,620.21 each. Not a Closing Disclosure.