Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$75,581Cash toward the purchase price.
Closing costs + prepaids$11,784Not just lender fees.
Before credits & paid funds$87,365The complete starting cash picture.
Estimated remaining funds due at closing
$87,365No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,581.38
Your down payment$75,581.38
Closing costs + prepaids$11,783.64
Total buyer cash needed$87,365.02
Remaining funds due$87,365.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,390.00
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)$550.75
Initial HOA (3 months)$63.00
Prepaid interest, first (31 days)$1,554.89
Fees + prepaids$11,783.64
Your down payment is the seller’s equity. You take over the $263,419 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $87,365.02 is due at closing. Uses and sources reconcile at $350,783.64 each. Not a Closing Disclosure.