Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$134,893Cash toward the purchase price.
Closing costs + prepaids$10,229Not just lender fees.
Before credits & paid funds$145,122The complete starting cash picture.
Estimated remaining funds due at closing
$145,122No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,893.21
Your down payment$134,893.21
Closing costs + prepaids$10,229.14
Total buyer cash needed$145,122.35
Remaining funds due$145,122.35
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)$293.25
Initial HOA (3 months)$291.00
Prepaid interest, first (1 days)$20.89
Fees + prepaids$10,229.14
Your down payment is the seller’s equity. You take over the $205,007 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $145,122.35 is due at closing. Uses and sources reconcile at $350,129.14 each. Not a Closing Disclosure.