Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$109,934Cash toward the purchase price.
Closing costs + prepaids$11,256Not just lender fees.
Before credits & paid funds$121,190The complete starting cash picture.
Estimated remaining funds due at closing
$121,190No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,933.80
Your down payment$109,933.80
Closing costs + prepaids$11,256.13
Total buyer cash needed$121,189.93
Remaining funds due$121,189.93
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)$894.25
Initial HOA (3 months)$26.01
Prepaid interest, first (27 days)$861.87
Fees + prepaids$11,256.13
Your down payment is the seller’s equity. You take over the $214,966 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $121,189.93 is due at closing. Uses and sources reconcile at $336,156.13 each. Not a Closing Disclosure.