Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$223,967Cash toward the purchase price.
Closing costs + prepaids$11,851Not just lender fees.
Before credits & paid funds$235,817The complete starting cash picture.
Estimated remaining funds due at closing
$235,817No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,966.65
Your down payment$223,966.65
Closing costs + prepaids$11,850.58
Total buyer cash needed$235,817.23
Remaining funds due$235,817.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,449.99
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)$914.50
Initial HOA (3 months)$1,215.00
Prepaid interest, first (2 days)$46.09
Fees + prepaids$11,850.58
Your down payment is the seller’s equity. You take over the $121,032 balance, so the rest of the $344,999 price is paid at closing. A second mortgage can cover part of it. $235,817.23 is due at closing. Uses and sources reconcile at $356,849.58 each. Not a Closing Disclosure.