Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$87,176Cash toward the purchase price.
Closing costs + prepaids$10,977Not just lender fees.
Before credits & paid funds$98,153The complete starting cash picture.
Estimated remaining funds due at closing
$98,153No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,176.27
Your down payment$87,176.27
Closing costs + prepaids$10,976.88
Total buyer cash needed$98,153.15
Remaining funds due$98,153.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,430.00
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)$331.75
Initial HOA (3 months)$291.00
Prepaid interest, first (19 days)$699.13
Fees + prepaids$10,976.88
Your down payment is the seller’s equity. You take over the $255,824 balance, so the rest of the $343,000 price is paid at closing. A second mortgage can cover part of it. $98,153.15 is due at closing. Uses and sources reconcile at $353,976.88 each. Not a Closing Disclosure.