Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$223,485Cash toward the purchase price.
Closing costs + prepaids$10,736Not just lender fees.
Before credits & paid funds$234,222The complete starting cash picture.
Estimated remaining funds due at closing
$234,222No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,485.36
Your down payment$223,485.36
Closing costs + prepaids$10,736.15
Total buyer cash needed$234,221.51
Remaining funds due$234,221.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,290.00
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)$822.50
Initial HOA (3 months)$155.01
Prepaid interest, first (28 days)$243.64
Fees + prepaids$10,736.15
Your down payment is the seller’s equity. You take over the $105,515 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $234,221.51 is due at closing. Uses and sources reconcile at $339,736.15 each. Not a Closing Disclosure.