Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$216,269Cash toward the purchase price.
Closing costs + prepaids$10,623Not just lender fees.
Before credits & paid funds$226,892The complete starting cash picture.
Estimated remaining funds due at closing
$226,892No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,268.98
Your down payment$216,268.98
Closing costs + prepaids$10,622.90
Total buyer cash needed$226,891.88
Remaining funds due$226,891.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,390.00
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)$372.50
Initial HOA (3 months)$255.00
Prepaid interest, first (27 days)$380.40
Fees + prepaids$10,622.90
Your down payment is the seller’s equity. You take over the $122,731 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $226,891.88 is due at closing. Uses and sources reconcile at $349,622.90 each. Not a Closing Disclosure.