Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$84,309Cash toward the purchase price.
Closing costs + prepaids$11,036Not just lender fees.
Before credits & paid funds$95,345The complete starting cash picture.
Estimated remaining funds due at closing
$95,345No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,309.33
Your down payment$84,309.33
Closing costs + prepaids$11,035.99
Total buyer cash needed$95,345.32
Remaining funds due$95,345.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,380.00
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)$276.25
Prepaid interest, first (26 days)$1,154.74
Fees + prepaids$11,035.99
Your down payment is the seller’s equity. You take over the $253,691 balance, so the rest of the $338,000 price is paid at closing. A second mortgage can cover part of it. $95,345.32 is due at closing. Uses and sources reconcile at $349,035.99 each. Not a Closing Disclosure.