Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$234,108Cash toward the purchase price.
Closing costs + prepaids$10,450Not just lender fees.
Before credits & paid funds$244,558The complete starting cash picture.
Estimated remaining funds due at closing
$244,558No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,107.53
Your down payment$234,107.53
Closing costs + prepaids$10,450.33
Total buyer cash needed$244,557.86
Remaining funds due$244,557.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,270.00
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)$658.25
Initial HOA (3 months)$21.00
Prepaid interest, first (24 days)$276.08
Fees + prepaids$10,450.33
Your down payment is the seller’s equity. You take over the $92,892 balance, so the rest of the $327,000 price is paid at closing. A second mortgage can cover part of it. $244,557.86 is due at closing. Uses and sources reconcile at $337,450.33 each. Not a Closing Disclosure.