Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$90,935Cash toward the purchase price.
Closing costs + prepaids$10,595Not just lender fees.
Before credits & paid funds$101,530The complete starting cash picture.
Estimated remaining funds due at closing
$101,530No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,934.55
Your down payment$90,934.55
Closing costs + prepaids$10,595.34
Total buyer cash needed$101,529.89
Remaining funds due$101,529.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.99
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)$463.75
Initial HOA (3 months)$588.00
Prepaid interest, first (1 days)$18.60
Fees + prepaids$10,595.34
Your down payment is the seller’s equity. You take over the $239,064 balance, so the rest of the $329,999 price is paid at closing. A second mortgage can cover part of it. $101,529.89 is due at closing. Uses and sources reconcile at $340,594.34 each. Not a Closing Disclosure.