Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$106,837Cash toward the purchase price.
Closing costs + prepaids$10,862Not just lender fees.
Before credits & paid funds$117,699The complete starting cash picture.
Estimated remaining funds due at closing
$117,699No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,837.09
Your down payment$106,837.09
Closing costs + prepaids$10,862.15
Total buyer cash needed$117,699.24
Remaining funds due$117,699.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.00
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)$627.25
Initial HOA (3 months)$24.99
Prepaid interest, first (31 days)$585.91
Fees + prepaids$10,862.15
Your down payment is the seller’s equity. You take over the $233,063 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $117,699.24 is due at closing. Uses and sources reconcile at $350,762.15 each. Not a Closing Disclosure.