Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$44,929Cash toward the purchase price.
Closing costs + prepaids$11,491Not just lender fees.
Before credits & paid funds$56,420The complete starting cash picture.
Estimated remaining funds due at closing
$56,420No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,929.23
Your down payment$44,929.23
Closing costs + prepaids$11,491.17
Total buyer cash needed$56,420.40
Remaining funds due$56,420.40
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)$1,029.75
Initial HOA (3 months)$219.99
Prepaid interest, first (29 days)$767.43
Fees + prepaids$11,491.17
Your down payment is the seller’s equity. You take over the $279,971 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $56,420.40 is due at closing. Uses and sources reconcile at $336,391.17 each. Not a Closing Disclosure.