Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$241,615Cash toward the purchase price.
Closing costs + prepaids$10,407Not just lender fees.
Before credits & paid funds$252,022The complete starting cash picture.
Estimated remaining funds due at closing
$252,022No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,614.72
Your down payment$241,614.72
Closing costs + prepaids$10,407.10
Total buyer cash needed$252,021.81
Remaining funds due$252,021.81
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)$390.00
Initial HOA (3 months)$450.00
Prepaid interest, first (12 days)$93.10
Fees + prepaids$10,407.10
Your down payment is the seller’s equity. You take over the $83,285 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $252,021.81 is due at closing. Uses and sources reconcile at $335,307.10 each. Not a Closing Disclosure.