Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$109,023Cash toward the purchase price.
Closing costs + prepaids$10,621Not just lender fees.
Before credits & paid funds$119,644The complete starting cash picture.
Estimated remaining funds due at closing
$119,644No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,022.67
Your down payment$109,022.67
Closing costs + prepaids$10,621.06
Total buyer cash needed$119,643.73
Remaining funds due$119,643.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.95
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)$359.50
Initial HOA (3 months)$222.00
Prepaid interest, first (24 days)$414.61
Fees + prepaids$10,621.06
Your down payment is the seller’s equity. You take over the $230,972 balance, so the rest of the $339,995 price is paid at closing. A second mortgage can cover part of it. $119,643.73 is due at closing. Uses and sources reconcile at $350,616.06 each. Not a Closing Disclosure.