Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$230,191Cash toward the purchase price.
Closing costs + prepaids$10,492Not just lender fees.
Before credits & paid funds$240,683The complete starting cash picture.
Estimated remaining funds due at closing
$240,683No 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$10,491.58
Total buyer cash needed$240,682.59
Remaining funds due$240,682.59
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 (19 days)$245.33
Fees + prepaids$10,491.58
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. $240,682.59 is due at closing. Uses and sources reconcile at $334,941.58 each. Not a Closing Disclosure.