Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$10,189Cash toward the purchase price.
Closing costs + prepaids$11,824Not just lender fees.
Before credits & paid funds$22,013The complete starting cash picture.
Estimated remaining funds due at closing
$22,013No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,188.83
Your down payment$10,188.83
Closing costs + prepaids$11,824.44
Total buyer cash needed$22,013.27
Remaining funds due$22,013.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,249.00
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)$812.25
Initial HOA (3 months)$90.00
Prepaid interest, first (26 days)$1,448.19
Fees + prepaids$11,824.44
Your down payment is the seller’s equity. You take over the $314,711 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $22,013.27 is due at closing. Uses and sources reconcile at $336,724.44 each. Not a Closing Disclosure.