Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$98,371Cash toward the purchase price.
Closing costs + prepaids$12,326Not just lender fees.
Before credits & paid funds$110,697The complete starting cash picture.
Estimated remaining funds due at closing
$110,697No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,371.29
Your down payment$98,371.29
Closing costs + prepaids$12,325.84
Total buyer cash needed$110,697.13
Remaining funds due$110,697.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.50
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)$2,145.25
Initial HOA (3 months)$63.00
Prepaid interest, first (25 days)$493.09
Fees + prepaids$12,325.84
Your down payment is the seller’s equity. You take over the $241,579 balance, so the rest of the $339,950 price is paid at closing. A second mortgage can cover part of it. $110,697.13 is due at closing. Uses and sources reconcile at $352,275.84 each. Not a Closing Disclosure.