Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$78,822Cash toward the purchase price.
Closing costs + prepaids$11,036Not just lender fees.
Before credits & paid funds$89,858The complete starting cash picture.
Estimated remaining funds due at closing
$89,858No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,822.07
Your down payment$78,822.07
Closing costs + prepaids$11,036.03
Total buyer cash needed$89,858.10
Remaining funds due$89,858.10
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)$43.50
Initial HOA (3 months)$180.00
Prepaid interest, first (25 days)$1,197.53
Fees + prepaids$11,036.03
Your down payment is the seller’s equity. You take over the $260,178 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $89,858.10 is due at closing. Uses and sources reconcile at $350,036.03 each. Not a Closing Disclosure.