Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$87,289Cash toward the purchase price.
Closing costs + prepaids$10,659Not just lender fees.
Before credits & paid funds$97,948The complete starting cash picture.
Estimated remaining funds due at closing
$97,948No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,289.19
Your down payment$87,289.19
Closing costs + prepaids$10,658.80
Total buyer cash needed$97,947.99
Remaining funds due$97,947.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,290.00
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)$394.75
Initial HOA (3 months)$369.99
Prepaid interest, first (9 days)$379.06
Fees + prepaids$10,658.80
Your down payment is the seller’s equity. You take over the $241,711 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $97,947.99 is due at closing. Uses and sources reconcile at $339,658.80 each. Not a Closing Disclosure.