Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$99,632Cash toward the purchase price.
Closing costs + prepaids$11,453Not just lender fees.
Before credits & paid funds$111,085The complete starting cash picture.
Estimated remaining funds due at closing
$111,085No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,631.83
Your down payment$99,631.83
Closing costs + prepaids$11,453.34
Total buyer cash needed$111,085.17
Remaining funds due$111,085.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,430.00
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)$1,024.00
Initial HOA (3 months)$735.00
Prepaid interest, first (2 days)$39.34
Fees + prepaids$11,453.34
Your down payment is the seller’s equity. You take over the $243,368 balance, so the rest of the $343,000 price is paid at closing. A second mortgage can cover part of it. $111,085.17 is due at closing. Uses and sources reconcile at $354,453.34 each. Not a Closing Disclosure.