Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$90,440Cash toward the purchase price.
Closing costs + prepaids$10,623Not just lender fees.
Before credits & paid funds$101,063The complete starting cash picture.
Estimated remaining funds due at closing
$101,063No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,440.18
Your down payment$90,440.18
Closing costs + prepaids$10,622.52
Total buyer cash needed$101,062.70
Remaining funds due$101,062.70
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)$896.00
Prepaid interest, first (2 days)$102.52
Fees + prepaids$10,622.52
Your down payment is the seller’s equity. You take over the $249,460 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $101,062.70 is due at closing. Uses and sources reconcile at $350,522.52 each. Not a Closing Disclosure.