Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$331,234Cash toward the purchase price.
Closing costs + prepaids$10,719Not just lender fees.
Before credits & paid funds$341,953The complete starting cash picture.
Estimated remaining funds due at closing
$341,953No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,233.72
Your down payment$331,233.72
Closing costs + prepaids$10,719.29
Total buyer cash needed$341,953.02
Remaining funds due$341,953.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,449.00
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)$633.25
Initial HOA (3 months)$333.00
Prepaid interest, first (31 days)$79.04
Fees + prepaids$10,719.29
Your down payment is the seller’s equity. You take over the $13,666 balance, so the rest of the $344,900 price is paid at closing. A second mortgage can cover part of it. $341,953.02 is due at closing. Uses and sources reconcile at $355,619.29 each. Not a Closing Disclosure.