Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$151,420Cash toward the purchase price.
Closing costs + prepaids$10,900Not just lender fees.
Before credits & paid funds$162,320The complete starting cash picture.
Estimated remaining funds due at closing
$162,320No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,419.87
Your down payment$151,419.87
Closing costs + prepaids$10,900.36
Total buyer cash needed$162,320.23
Remaining funds due$162,320.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,240.00
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)$602.50
Initial HOA (3 months)$399.00
Prepaid interest, first (31 days)$433.86
Fees + prepaids$10,900.36
Your down payment is the seller’s equity. You take over the $172,580 balance, so the rest of the $324,000 price is paid at closing. A second mortgage can cover part of it. $162,320.23 is due at closing. Uses and sources reconcile at $334,900.36 each. Not a Closing Disclosure.