Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$92,637Cash toward the purchase price.
Closing costs + prepaids$12,463Not just lender fees.
Before credits & paid funds$105,100The complete starting cash picture.
Estimated remaining funds due at closing
$105,100No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,636.54
Your down payment$92,636.54
Closing costs + prepaids$12,463.33
Total buyer cash needed$105,099.87
Remaining funds due$105,099.87
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)$1,087.00
Initial HOA (3 months)$705.00
Prepaid interest, first (28 days)$1,197.33
Fees + prepaids$12,463.33
Your down payment is the seller’s equity. You take over the $232,263 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $105,099.87 is due at closing. Uses and sources reconcile at $337,363.33 each. Not a Closing Disclosure.