Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$332,673Cash toward the purchase price.
Closing costs + prepaids$10,441Not just lender fees.
Before credits & paid funds$343,113The complete starting cash picture.
Estimated remaining funds due at closing
$343,113No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$332,672.55
Your down payment$332,672.55
Closing costs + prepaids$10,440.54
Total buyer cash needed$343,113.10
Remaining funds due$343,113.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,449.00
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)$506.25
Initial HOA (3 months)$258.00
Prepaid interest, first (1 days)$2.29
Fees + prepaids$10,440.54
Your down payment is the seller’s equity. You take over the $12,227 balance, so the rest of the $344,900 price is paid at closing. A second mortgage can cover part of it. $343,113.10 is due at closing. Uses and sources reconcile at $355,340.54 each. Not a Closing Disclosure.