Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$215,139Cash toward the purchase price.
Closing costs + prepaids$10,267Not just lender fees.
Before credits & paid funds$225,406The complete starting cash picture.
Estimated remaining funds due at closing
$225,406No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,139.08
Your down payment$215,139.08
Closing costs + prepaids$10,266.55
Total buyer cash needed$225,405.63
Remaining funds due$225,405.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,340.00
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)$400.75
Initial HOA (3 months)$195.00
Prepaid interest, first (9 days)$105.80
Fees + prepaids$10,266.55
Your down payment is the seller’s equity. You take over the $118,861 balance, so the rest of the $334,000 price is paid at closing. A second mortgage can cover part of it. $225,405.63 is due at closing. Uses and sources reconcile at $344,266.55 each. Not a Closing Disclosure.