Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$112,323Cash toward the purchase price.
Closing costs + prepaids$10,576Not just lender fees.
Before credits & paid funds$122,898The complete starting cash picture.
Estimated remaining funds due at closing
$122,898No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,322.68
Your down payment$112,322.68
Closing costs + prepaids$10,575.55
Total buyer cash needed$122,898.23
Remaining funds due$122,898.23
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)$866.75
Prepaid interest, first (4 days)$84.80
Fees + prepaids$10,575.55
Your down payment is the seller’s equity. You take over the $227,577 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $122,898.23 is due at closing. Uses and sources reconcile at $350,475.55 each. Not a Closing Disclosure.