Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$29,116Cash toward the purchase price.
Closing costs + prepaids$12,190Not just lender fees.
Before credits & paid funds$41,305The complete starting cash picture.
Estimated remaining funds due at closing
$41,305No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,115.55
Your down payment$29,115.55
Closing costs + prepaids$12,189.85
Total buyer cash needed$41,305.40
Remaining funds due$41,305.40
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)$1,650.00
Prepaid interest, first (12 days)$675.85
Fees + prepaids$12,189.85
Your down payment is the seller’s equity. You take over the $295,784 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $41,305.40 is due at closing. Uses and sources reconcile at $337,089.85 each. Not a Closing Disclosure.