Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$67,201Cash toward the purchase price.
Closing costs + prepaids$11,338Not just lender fees.
Before credits & paid funds$78,539The complete starting cash picture.
Estimated remaining funds due at closing
$78,539No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,200.84
Your down payment$67,200.84
Closing costs + prepaids$11,338.32
Total buyer cash needed$78,539.17
Remaining funds due$78,539.17
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)$1,221.00
Prepaid interest, first (12 days)$253.32
Fees + prepaids$11,338.32
Your down payment is the seller’s equity. You take over the $257,699 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $78,539.17 is due at closing. Uses and sources reconcile at $336,238.32 each. Not a Closing Disclosure.