Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$24,522Cash toward the purchase price.
Closing costs + prepaids$12,522Not just lender fees.
Before credits & paid funds$37,044The complete starting cash picture.
Estimated remaining funds due at closing
$37,044No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,522.49
Your down payment$24,522.49
Closing costs + prepaids$12,521.56
Total buyer cash needed$37,044.05
Remaining funds due$37,044.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,245.00
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)$1,622.75
Initial HOA (3 months)$168.00
Prepaid interest, first (23 days)$1,260.81
Fees + prepaids$12,521.56
Your down payment is the seller’s equity. You take over the $299,978 balance, so the rest of the $324,500 price is paid at closing. A second mortgage can cover part of it. $37,044.05 is due at closing. Uses and sources reconcile at $337,021.56 each. Not a Closing Disclosure.