Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$230,191Cash toward the purchase price.
Closing costs + prepaids$10,504Not just lender fees.
Before credits & paid funds$240,696The complete starting cash picture.
Estimated remaining funds due at closing
$240,696No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$230,191.01
Your down payment$230,191.01
Closing costs + prepaids$10,504.49
Total buyer cash needed$240,695.51
Remaining funds due$240,695.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,244.50
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)$401.75
Initial HOA (3 months)$375.00
Prepaid interest, first (20 days)$258.24
Fees + prepaids$10,504.49
Your down payment is the seller’s equity. You take over the $94,259 balance, so the rest of the $324,450 price is paid at closing. A second mortgage can cover part of it. $240,695.51 is due at closing. Uses and sources reconcile at $334,954.49 each. Not a Closing Disclosure.