Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$110,546Cash toward the purchase price.
Closing costs + prepaids$10,966Not just lender fees.
Before credits & paid funds$121,512The complete starting cash picture.
Estimated remaining funds due at closing
$121,512No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,545.68
Your down payment$110,545.68
Closing costs + prepaids$10,965.89
Total buyer cash needed$121,511.57
Remaining funds due$121,511.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.99
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)$231.75
Initial HOA (3 months)$846.00
Prepaid interest, first (20 days)$363.15
Fees + prepaids$10,965.89
Your down payment is the seller’s equity. You take over the $219,453 balance, so the rest of the $329,999 price is paid at closing. A second mortgage can cover part of it. $121,511.57 is due at closing. Uses and sources reconcile at $340,964.89 each. Not a Closing Disclosure.