Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$271,027Cash toward the purchase price.
Closing costs + prepaids$10,195Not just lender fees.
Before credits & paid funds$281,222The complete starting cash picture.
Estimated remaining funds due at closing
$281,222No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$271,026.85
Your down payment$271,026.85
Closing costs + prepaids$10,195.31
Total buyer cash needed$281,222.16
Remaining funds due$281,222.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,449.00
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)$384.50
Initial HOA (3 months)$125.01
Prepaid interest, first (1 days)$11.80
Fees + prepaids$10,195.31
Your down payment is the seller’s equity. You take over the $73,873 balance, so the rest of the $344,900 price is paid at closing. A second mortgage can cover part of it. $281,222.16 is due at closing. Uses and sources reconcile at $355,095.31 each. Not a Closing Disclosure.