Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$76,262Cash toward the purchase price.
Closing costs + prepaids$10,800Not just lender fees.
Before credits & paid funds$87,063The complete starting cash picture.
Estimated remaining funds due at closing
$87,063No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,262.17
Your down payment$76,262.17
Closing costs + prepaids$10,800.37
Total buyer cash needed$87,062.55
Remaining funds due$87,062.55
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)$982.75
Initial HOA (3 months)$112.50
Prepaid interest, first (2 days)$90.12
Fees + prepaids$10,800.37
Your down payment is the seller’s equity. You take over the $262,738 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $87,062.55 is due at closing. Uses and sources reconcile at $349,800.37 each. Not a Closing Disclosure.