Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$10,189Cash toward the purchase price.
Closing costs + prepaids$11,055Not just lender fees.
Before credits & paid funds$21,244The complete starting cash picture.
Estimated remaining funds due at closing
$21,244No 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$11,054.74
Total buyer cash needed$21,243.57
Remaining funds due$21,243.57
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)$98.25
Initial HOA (3 months)$90.00
Prepaid interest, first (25 days)$1,392.49
Fees + prepaids$11,054.74
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. $21,243.57 is due at closing. Uses and sources reconcile at $335,954.74 each. Not a Closing Disclosure.