Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$108,245Cash toward the purchase price.
Closing costs + prepaids$11,433Not just lender fees.
Before credits & paid funds$119,679The complete starting cash picture.
Estimated remaining funds due at closing
$119,679No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,245.45
Your down payment$108,245.45
Closing costs + prepaids$11,433.22
Total buyer cash needed$119,678.67
Remaining funds due$119,678.67
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)$642.25
Prepaid interest, first (27 days)$1,166.97
Fees + prepaids$11,433.22
Your down payment is the seller’s equity. You take over the $231,655 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $119,678.67 is due at closing. Uses and sources reconcile at $351,333.22 each. Not a Closing Disclosure.