Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$214,043Cash toward the purchase price.
Closing costs + prepaids$11,132Not just lender fees.
Before credits & paid funds$225,176The complete starting cash picture.
Estimated remaining funds due at closing
$225,176No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,043.10
Your down payment$214,043.10
Closing costs + prepaids$11,132.49
Total buyer cash needed$225,175.59
Remaining funds due$225,175.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,349.00
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)$836.50
Initial HOA (3 months)$462.00
Prepaid interest, first (26 days)$259.99
Fees + prepaids$11,132.49
Your down payment is the seller’s equity. You take over the $120,857 balance, so the rest of the $334,900 price is paid at closing. A second mortgage can cover part of it. $225,175.59 is due at closing. Uses and sources reconcile at $346,032.49 each. Not a Closing Disclosure.