Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$224,019Cash toward the purchase price.
Closing costs + prepaids$12,334Not just lender fees.
Before credits & paid funds$236,354The complete starting cash picture.
Estimated remaining funds due at closing
$236,354No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$224,019.24
Your down payment$224,019.24
Closing costs + prepaids$12,334.32
Total buyer cash needed$236,353.56
Remaining funds due$236,353.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,449.99
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)$914.50
Initial HOA (3 months)$1,215.00
Prepaid interest, first (23 days)$529.83
Fees + prepaids$12,334.32
Your down payment is the seller’s equity. You take over the $120,980 balance, so the rest of the $344,999 price is paid at closing. A second mortgage can cover part of it. $236,353.56 is due at closing. Uses and sources reconcile at $357,333.32 each. Not a Closing Disclosure.