Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$5,150Cash toward the purchase price.
Closing costs + prepaids$12,624Not just lender fees.
Before credits & paid funds$17,774The complete starting cash picture.
Estimated remaining funds due at closing
$17,774No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,149.70
Your down payment$5,149.70
Closing costs + prepaids$12,624.47
Total buyer cash needed$17,774.18
Remaining funds due$17,774.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.99
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)$2,307.75
Initial HOA (3 months)$42.00
Prepaid interest, first (27 days)$749.73
Fees + prepaids$12,624.47
Your down payment is the seller’s equity. You take over the $324,849 balance, so the rest of the $329,999 price is paid at closing. A second mortgage can cover part of it. $17,774.18 is due at closing. Uses and sources reconcile at $342,623.47 each. Not a Closing Disclosure.