Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$232,563Cash toward the purchase price.
Closing costs + prepaids$11,737Not just lender fees.
Before credits & paid funds$244,299The complete starting cash picture.
Estimated remaining funds due at closing
$244,299No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,562.58
Your down payment$232,562.58
Closing costs + prepaids$11,736.89
Total buyer cash needed$244,299.47
Remaining funds due$244,299.47
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)$740.00
Initial HOA (3 months)$1,362.00
Prepaid interest, first (2 days)$19.89
Fees + prepaids$11,736.89
Your down payment is the seller’s equity. You take over the $106,437 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $244,299.47 is due at closing. Uses and sources reconcile at $350,736.89 each. Not a Closing Disclosure.