Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$221,681Cash toward the purchase price.
Closing costs + prepaids$11,227Not just lender fees.
Before credits & paid funds$232,909The complete starting cash picture.
Estimated remaining funds due at closing
$232,909No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,681.38
Your down payment$221,681.38
Closing costs + prepaids$11,227.28
Total buyer cash needed$232,908.66
Remaining funds due$232,908.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,390.00
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)$1,323.00
Prepaid interest, first (24 days)$289.28
Fees + prepaids$11,227.28
Your down payment is the seller’s equity. You take over the $117,319 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $232,908.66 is due at closing. Uses and sources reconcile at $350,227.28 each. Not a Closing Disclosure.