Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$325,573Cash toward the purchase price.
Closing costs + prepaids$11,231Not just lender fees.
Before credits & paid funds$336,804The complete starting cash picture.
Estimated remaining funds due at closing
$336,804No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$325,572.65
Your down payment$325,572.65
Closing costs + prepaids$11,231.39
Total buyer cash needed$336,804.04
Remaining funds due$336,804.04
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)$453.00
Initial HOA (3 months)$1,161.00
Prepaid interest, first (1 days)$2.39
Fees + prepaids$11,231.39
Your down payment is the seller’s equity. You take over the $13,427 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $336,804.04 is due at closing. Uses and sources reconcile at $350,231.39 each. Not a Closing Disclosure.