Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$153,221Cash toward the purchase price.
Closing costs + prepaids$10,673Not just lender fees.
Before credits & paid funds$163,895The complete starting cash picture.
Estimated remaining funds due at closing
$163,895No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,221.29
Your down payment$153,221.29
Closing costs + prepaids$10,673.27
Total buyer cash needed$163,894.56
Remaining funds due$163,894.56
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)$845.75
Initial HOA (3 months)$12.51
Prepaid interest, first (25 days)$341.01
Fees + prepaids$10,673.27
Your down payment is the seller’s equity. You take over the $171,679 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $163,894.56 is due at closing. Uses and sources reconcile at $335,573.27 each. Not a Closing Disclosure.