Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$108,507Cash toward the purchase price.
Closing costs + prepaids$11,579Not just lender fees.
Before credits & paid funds$120,086The complete starting cash picture.
Estimated remaining funds due at closing
$120,086No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,507.39
Your down payment$108,507.39
Closing costs + prepaids$11,578.85
Total buyer cash needed$120,086.23
Remaining funds due$120,086.23
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
Initial HOA (3 months)$975.00
Prepaid interest, first (4 days)$113.10
Fees + prepaids$11,578.85
Your down payment is the seller’s equity. You take over the $231,393 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $120,086.23 is due at closing. Uses and sources reconcile at $351,478.85 each. Not a Closing Disclosure.