Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$111,349Cash toward the purchase price.
Closing costs + prepaids$11,093Not just lender fees.
Before credits & paid funds$122,442The complete starting cash picture.
Estimated remaining funds due at closing
$122,442No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,349.32
Your down payment$111,349.32
Closing costs + prepaids$11,092.98
Total buyer cash needed$122,442.29
Remaining funds due$122,442.29
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)$207.25
Prepaid interest, first (31 days)$1,261.73
Fees + prepaids$11,092.98
Your down payment is the seller’s equity. You take over the $228,551 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $122,442.29 is due at closing. Uses and sources reconcile at $350,992.98 each. Not a Closing Disclosure.