Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$119,271Cash toward the purchase price.
Closing costs + prepaids$11,193Not just lender fees.
Before credits & paid funds$130,464The complete starting cash picture.
Estimated remaining funds due at closing
$130,464No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,271.25
Your down payment$119,271.25
Closing costs + prepaids$11,193.08
Total buyer cash needed$130,464.32
Remaining funds due$130,464.32
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)$861.25
Initial HOA (3 months)$195.00
Prepaid interest, first (28 days)$512.83
Fees + prepaids$11,193.08
Your down payment is the seller’s equity. You take over the $220,629 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $130,464.32 is due at closing. Uses and sources reconcile at $351,093.08 each. Not a Closing Disclosure.