Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$88,336Cash toward the purchase price.
Closing costs + prepaids$11,260Not just lender fees.
Before credits & paid funds$99,597The complete starting cash picture.
Estimated remaining funds due at closing
$99,597No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,336.37
Your down payment$88,336.37
Closing costs + prepaids$11,260.24
Total buyer cash needed$99,596.61
Remaining funds due$99,596.61
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)$1,600.75
Initial HOA (3 months)$24.99
Prepaid interest, first (1 days)$19.50
Fees + prepaids$11,260.24
Your down payment is the seller’s equity. You take over the $250,664 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $99,596.61 is due at closing. Uses and sources reconcile at $350,260.24 each. Not a Closing Disclosure.