Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$224,019Cash toward the purchase price.
Closing costs + prepaids$11,580Not just lender fees.
Before credits & paid funds$235,600The complete starting cash picture.
Estimated remaining funds due at closing
$235,600No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$224,019.24
Your down payment$224,019.24
Closing costs + prepaids$11,580.42
Total buyer cash needed$235,599.66
Remaining funds due$235,599.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,449.99
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)$414.00
Initial HOA (3 months)$1,215.00
Prepaid interest, first (12 days)$276.43
Fees + prepaids$11,580.42
Your down payment is the seller’s equity. You take over the $120,980 balance, so the rest of the $344,999 price is paid at closing. A second mortgage can cover part of it. $235,599.66 is due at closing. Uses and sources reconcile at $356,579.42 each. Not a Closing Disclosure.