Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$332,687Cash toward the purchase price.
Closing costs + prepaids$10,498Not just lender fees.
Before credits & paid funds$343,185The complete starting cash picture.
Estimated remaining funds due at closing
$343,185No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$332,686.98
Your down payment$332,686.98
Closing costs + prepaids$10,497.84
Total buyer cash needed$343,184.82
Remaining funds due$343,184.82
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)$506.25
Initial HOA (3 months)$258.00
Prepaid interest, first (26 days)$59.59
Fees + prepaids$10,497.84
Your down payment is the seller’s equity. You take over the $12,213 balance, so the rest of the $344,900 price is paid at closing. A second mortgage can cover part of it. $343,184.82 is due at closing. Uses and sources reconcile at $355,397.84 each. Not a Closing Disclosure.