Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$169,155Cash toward the purchase price.
Closing costs + prepaids$11,243Not just lender fees.
Before credits & paid funds$180,399The complete starting cash picture.
Estimated remaining funds due at closing
$180,399No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,155.49
Your down payment$169,155.49
Closing costs + prepaids$11,243.46
Total buyer cash needed$180,398.95
Remaining funds due$180,398.95
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)$271.50
Initial HOA (3 months)$1,131.00
Prepaid interest, first (25 days)$366.96
Fees + prepaids$11,243.46
Your down payment is the seller’s equity. You take over the $155,745 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $180,398.95 is due at closing. Uses and sources reconcile at $336,143.46 each. Not a Closing Disclosure.