Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$94,175Cash toward the purchase price.
Closing costs + prepaids$10,419Not just lender fees.
Before credits & paid funds$104,594The complete starting cash picture.
Estimated remaining funds due at closing
$104,594No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,175.29
Your down payment$94,175.29
Closing costs + prepaids$10,418.83
Total buyer cash needed$104,594.12
Remaining funds due$104,594.12
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)$777.00
Prepaid interest, first (1 days)$26.83
Fees + prepaids$10,418.83
Your down payment is the seller’s equity. You take over the $244,825 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $104,594.12 is due at closing. Uses and sources reconcile at $349,418.83 each. Not a Closing Disclosure.