Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$38,269Cash toward the purchase price.
Closing costs + prepaids$11,729Not just lender fees.
Before credits & paid funds$49,998The complete starting cash picture.
Estimated remaining funds due at closing
$49,998No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,269.22
Your down payment$38,269.22
Closing costs + prepaids$11,728.89
Total buyer cash needed$49,998.11
Remaining funds due$49,998.11
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)$943.75
Initial HOA (3 months)$112.50
Prepaid interest, first (24 days)$1,202.64
Fees + prepaids$11,728.89
Your down payment is the seller’s equity. You take over the $286,231 balance, so the rest of the $324,500 price is paid at closing. A second mortgage can cover part of it. $49,998.11 is due at closing. Uses and sources reconcile at $336,228.89 each. Not a Closing Disclosure.