Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$120,027Cash toward the purchase price.
Closing costs + prepaids$10,983Not just lender fees.
Before credits & paid funds$131,010The complete starting cash picture.
Estimated remaining funds due at closing
$131,010No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,027.37
Your down payment$120,027.37
Closing costs + prepaids$10,982.78
Total buyer cash needed$131,010.15
Remaining funds due$131,010.15
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)$1,047.75
Initial HOA (3 months)$73.74
Prepaid interest, first (23 days)$387.29
Fees + prepaids$10,982.78
Your down payment is the seller’s equity. You take over the $204,873 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $131,010.15 is due at closing. Uses and sources reconcile at $335,882.78 each. Not a Closing Disclosure.