Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$331,217Cash toward the purchase price.
Closing costs + prepaids$10,645Not just lender fees.
Before credits & paid funds$341,863The complete starting cash picture.
Estimated remaining funds due at closing
$341,863No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,217.25
Your down payment$331,217.25
Closing costs + prepaids$10,645.36
Total buyer cash needed$341,862.61
Remaining funds due$341,862.61
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 (2 days)$5.11
Fees + prepaids$10,645.36
Your down payment is the seller’s equity. You take over the $13,683 balance, so the rest of the $344,900 price is paid at closing. A second mortgage can cover part of it. $341,862.61 is due at closing. Uses and sources reconcile at $355,545.36 each. Not a Closing Disclosure.