Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$104,000Cash toward the purchase price.
Closing costs + prepaids$10,184Not just lender fees.
Before credits & paid funds$114,184The complete starting cash picture.
Estimated remaining funds due at closing
$114,184No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,999.66
Your down payment$103,999.66
Closing costs + prepaids$10,183.91
Total buyer cash needed$114,183.58
Remaining funds due$114,183.58
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)$346.75
Initial HOA (3 months)$195.00
Prepaid interest, first (1 days)$18.16
Fees + prepaids$10,183.91
Your down payment is the seller’s equity. You take over the $235,900 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $114,183.58 is due at closing. Uses and sources reconcile at $350,083.91 each. Not a Closing Disclosure.