Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$110,582Cash toward the purchase price.
Closing costs + prepaids$11,111Not just lender fees.
Before credits & paid funds$121,693The complete starting cash picture.
Estimated remaining funds due at closing
$121,693No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,581.67
Your down payment$110,581.67
Closing costs + prepaids$11,111.21
Total buyer cash needed$121,692.88
Remaining funds due$121,692.88
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)$582.25
Prepaid interest, first (26 days)$904.96
Fees + prepaids$11,111.21
Your down payment is the seller’s equity. You take over the $229,318 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $121,692.88 is due at closing. Uses and sources reconcile at $351,011.21 each. Not a Closing Disclosure.