Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$324,302Cash toward the purchase price.
Closing costs + prepaids$10,281Not just lender fees.
Before credits & paid funds$334,583The complete starting cash picture.
Estimated remaining funds due at closing
$334,583No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$324,302.45
Your down payment$324,302.45
Closing costs + prepaids$10,280.65
Total buyer cash needed$334,583.10
Remaining funds due$334,583.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,387.77
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)$371.75
Initial HOA (3 months)$243.00
Prepaid interest, first (22 days)$53.13
Fees + prepaids$10,280.65
Your down payment is the seller’s equity. You take over the $14,475 balance, so the rest of the $338,777 price is paid at closing. A second mortgage can cover part of it. $334,583.10 is due at closing. Uses and sources reconcile at $349,057.65 each. Not a Closing Disclosure.