Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$87,867Cash toward the purchase price.
Closing costs + prepaids$10,325Not just lender fees.
Before credits & paid funds$98,192The complete starting cash picture.
Estimated remaining funds due at closing
$98,192No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,867.46
Your down payment$87,867.46
Closing costs + prepaids$10,324.59
Total buyer cash needed$98,192.05
Remaining funds due$98,192.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,440.00
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)$331.75
Initial HOA (3 months)$291.00
Prepaid interest, first (1 days)$36.84
Fees + prepaids$10,324.59
Your down payment is the seller’s equity. You take over the $256,133 balance, so the rest of the $344,000 price is paid at closing. A second mortgage can cover part of it. $98,192.05 is due at closing. Uses and sources reconcile at $354,324.59 each. Not a Closing Disclosure.