Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$83,589Cash toward the purchase price.
Closing costs + prepaids$11,068Not just lender fees.
Before credits & paid funds$94,656The complete starting cash picture.
Estimated remaining funds due at closing
$94,656No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,588.84
Your down payment$83,588.84
Closing costs + prepaids$11,067.58
Total buyer cash needed$94,656.42
Remaining funds due$94,656.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,339.00
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)$461.50
Initial HOA (3 months)$1,020.00
Prepaid interest, first (1 days)$22.08
Fees + prepaids$11,067.58
Your down payment is the seller’s equity. You take over the $250,311 balance, so the rest of the $333,900 price is paid at closing. A second mortgage can cover part of it. $94,656.42 is due at closing. Uses and sources reconcile at $344,967.58 each. Not a Closing Disclosure.