Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$254,077Cash toward the purchase price.
Closing costs + prepaids$10,896Not just lender fees.
Before credits & paid funds$264,973The complete starting cash picture.
Estimated remaining funds due at closing
$264,973No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$254,077.29
Your down payment$254,077.29
Closing costs + prepaids$10,895.79
Total buyer cash needed$264,973.07
Remaining funds due$264,973.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,379.00
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)$814.25
Initial HOA (3 months)$99.99
Prepaid interest, first (24 days)$377.55
Fees + prepaids$10,895.79
Your down payment is the seller’s equity. You take over the $83,823 balance, so the rest of the $337,900 price is paid at closing. A second mortgage can cover part of it. $264,973.07 is due at closing. Uses and sources reconcile at $348,795.79 each. Not a Closing Disclosure.