Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$241,299Cash toward the purchase price.
Closing costs + prepaids$10,382Not just lender fees.
Before credits & paid funds$251,681The complete starting cash picture.
Estimated remaining funds due at closing
$251,681No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,299.33
Your down payment$241,299.33
Closing costs + prepaids$10,382.04
Total buyer cash needed$251,681.37
Remaining funds due$251,681.37
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)$450.25
Initial HOA (3 months)$450.00
Prepaid interest, first (1 days)$7.79
Fees + prepaids$10,382.04
Your down payment is the seller’s equity. You take over the $83,601 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $251,681.37 is due at closing. Uses and sources reconcile at $335,282.04 each. Not a Closing Disclosure.