Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$88,176Cash toward the purchase price.
Closing costs + prepaids$11,244Not just lender fees.
Before credits & paid funds$99,421The complete starting cash picture.
Estimated remaining funds due at closing
$99,421No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,176.27
Your down payment$88,176.27
Closing costs + prepaids$11,244.46
Total buyer cash needed$99,420.73
Remaining funds due$99,420.73
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 (26 days)$956.71
Fees + prepaids$11,244.46
Your down payment is the seller’s equity. You take over the $255,824 balance, so the rest of the $344,000 price is paid at closing. A second mortgage can cover part of it. $99,420.73 is due at closing. Uses and sources reconcile at $355,244.46 each. Not a Closing Disclosure.