Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$72,841Cash toward the purchase price.
Closing costs + prepaids$12,503Not just lender fees.
Before credits & paid funds$85,345The complete starting cash picture.
Estimated remaining funds due at closing
$85,345No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,841.32
Your down payment$72,841.32
Closing costs + prepaids$12,503.36
Total buyer cash needed$85,344.67
Remaining funds due$85,344.67
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)$1,601.00
Initial HOA (3 months)$46.74
Prepaid interest, first (31 days)$1,231.62
Fees + prepaids$12,503.36
Your down payment is the seller’s equity. You take over the $267,059 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $85,344.67 is due at closing. Uses and sources reconcile at $352,403.36 each. Not a Closing Disclosure.