Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$213,756Cash toward the purchase price.
Closing costs + prepaids$10,681Not just lender fees.
Before credits & paid funds$224,437The complete starting cash picture.
Estimated remaining funds due at closing
$224,437No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$213,755.89
Your down payment$213,755.89
Closing costs + prepaids$10,681.44
Total buyer cash needed$224,437.33
Remaining funds due$224,437.33
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)$671.75
Prepaid interest, first (31 days)$385.69
Fees + prepaids$10,681.44
Your down payment is the seller’s equity. You take over the $126,144 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $224,437.33 is due at closing. Uses and sources reconcile at $350,581.44 each. Not a Closing Disclosure.