Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$331,986Cash toward the purchase price.
Closing costs + prepaids$11,340Not just lender fees.
Before credits & paid funds$343,326The complete starting cash picture.
Estimated remaining funds due at closing
$343,326No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,985.95
Your down payment$331,985.95
Closing costs + prepaids$11,339.74
Total buyer cash needed$343,325.69
Remaining funds due$343,325.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.00
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)$246.25
Initial HOA (3 months)$17.49
Prepaid interest, first (24 days)$452.00
Fees + prepaids$11,339.74
Your down payment is the seller’s equity. You take over the $107,914 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $343,325.69 is due at closing. Uses and sources reconcile at $451,239.74 each. Not a Closing Disclosure.