Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$76,433Cash toward the purchase price.
Closing costs + prepaids$11,019Not just lender fees.
Before credits & paid funds$87,451The complete starting cash picture.
Estimated remaining funds due at closing
$87,451No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,432.57
Your down payment$76,432.57
Closing costs + prepaids$11,018.91
Total buyer cash needed$87,451.48
Remaining funds due$87,451.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.00
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)$425.00
Initial HOA (3 months)$630.00
Prepaid interest, first (17 days)$339.91
Fees + prepaids$11,018.91
Your down payment is the seller’s equity. You take over the $263,467 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $87,451.48 is due at closing. Uses and sources reconcile at $350,918.91 each. Not a Closing Disclosure.