Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$94,634Cash toward the purchase price.
Closing costs + prepaids$11,008Not just lender fees.
Before credits & paid funds$105,642The complete starting cash picture.
Estimated remaining funds due at closing
$105,642No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,634.35
Your down payment$94,634.35
Closing costs + prepaids$11,007.94
Total buyer cash needed$105,642.28
Remaining funds due$105,642.28
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)$777.00
Prepaid interest, first (23 days)$615.94
Fees + prepaids$11,007.94
Your down payment is the seller’s equity. You take over the $244,366 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $105,642.28 is due at closing. Uses and sources reconcile at $350,007.94 each. Not a Closing Disclosure.