Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$15,721Cash toward the purchase price.
Closing costs + prepaids$11,131Not just lender fees.
Before credits & paid funds$26,852The complete starting cash picture.
Estimated remaining funds due at closing
$26,852No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,720.81
Your down payment$15,720.81
Closing costs + prepaids$11,131.06
Total buyer cash needed$26,851.87
Remaining funds due$26,851.87
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)$619.00
Initial HOA (3 months)$110.01
Prepaid interest, first (22 days)$928.05
Fees + prepaids$11,131.06
Your down payment is the seller’s equity. You take over the $309,179 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $26,851.87 is due at closing. Uses and sources reconcile at $336,031.06 each. Not a Closing Disclosure.