Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$209,674Cash toward the purchase price.
Closing costs + prepaids$10,714Not just lender fees.
Before credits & paid funds$220,389The complete starting cash picture.
Estimated remaining funds due at closing
$220,389No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,674.30
Your down payment$209,674.30
Closing costs + prepaids$10,714.35
Total buyer cash needed$220,388.65
Remaining funds due$220,388.65
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)$812.25
Initial HOA (3 months)$90.00
Prepaid interest, first (30 days)$338.10
Fees + prepaids$10,714.35
Your down payment is the seller’s equity. You take over the $115,226 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $220,388.65 is due at closing. Uses and sources reconcile at $335,614.35 each. Not a Closing Disclosure.