Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$234,731Cash toward the purchase price.
Closing costs + prepaids$10,692Not just lender fees.
Before credits & paid funds$245,423The complete starting cash picture.
Estimated remaining funds due at closing
$245,423No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,731.01
Your down payment$234,731.01
Closing costs + prepaids$10,691.93
Total buyer cash needed$245,422.94
Remaining funds due$245,422.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,289.90
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)$401.75
Initial HOA (3 months)$375.00
Prepaid interest, first (31 days)$400.28
Fees + prepaids$10,691.93
Your down payment is the seller’s equity. You take over the $94,259 balance, so the rest of the $328,990 price is paid at closing. A second mortgage can cover part of it. $245,422.94 is due at closing. Uses and sources reconcile at $339,681.93 each. Not a Closing Disclosure.