Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$51,638Cash toward the purchase price.
Closing costs + prepaids$12,227Not just lender fees.
Before credits & paid funds$63,865The complete starting cash picture.
Estimated remaining funds due at closing
$63,865No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,637.82
Your down payment$51,637.82
Closing costs + prepaids$12,227.14
Total buyer cash needed$63,864.96
Remaining funds due$63,864.96
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)$1,151.75
Prepaid interest, first (31 days)$1,601.39
Fees + prepaids$12,227.14
Your down payment is the seller’s equity. You take over the $273,262 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $63,864.96 is due at closing. Uses and sources reconcile at $337,127.14 each. Not a Closing Disclosure.