Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$37,719Cash toward the purchase price.
Closing costs + prepaids$11,772Not just lender fees.
Before credits & paid funds$49,491The complete starting cash picture.
Estimated remaining funds due at closing
$49,491No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,718.83
Your down payment$37,718.83
Closing costs + prepaids$11,771.94
Total buyer cash needed$49,490.77
Remaining funds due$49,490.77
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)$508.25
Initial HOA (3 months)$570.00
Prepaid interest, first (23 days)$1,219.69
Fees + prepaids$11,771.94
Your down payment is the seller’s equity. You take over the $287,181 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $49,490.77 is due at closing. Uses and sources reconcile at $336,671.94 each. Not a Closing Disclosure.