Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$90,389Cash toward the purchase price.
Closing costs + prepaids$11,129Not just lender fees.
Before credits & paid funds$101,519The complete starting cash picture.
Estimated remaining funds due at closing
$101,519No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,389.12
Your down payment$90,389.12
Closing costs + prepaids$11,129.50
Total buyer cash needed$101,518.62
Remaining funds due$101,518.62
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)$407.00
Prepaid interest, first (28 days)$1,248.50
Fees + prepaids$11,129.50
Your down payment is the seller’s equity. You take over the $234,511 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $101,518.62 is due at closing. Uses and sources reconcile at $336,029.50 each. Not a Closing Disclosure.