Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$86,368Cash toward the purchase price.
Closing costs + prepaids$11,051Not just lender fees.
Before credits & paid funds$97,419The complete starting cash picture.
Estimated remaining funds due at closing
$97,419No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,367.65
Your down payment$86,367.65
Closing costs + prepaids$11,050.88
Total buyer cash needed$97,418.54
Remaining funds due$97,418.54
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)$1,145.50
Prepaid interest, first (23 days)$431.38
Fees + prepaids$11,050.88
Your down payment is the seller’s equity. You take over the $238,532 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $97,418.54 is due at closing. Uses and sources reconcile at $335,950.88 each. Not a Closing Disclosure.