Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$107,657Cash toward the purchase price.
Closing costs + prepaids$11,307Not just lender fees.
Before credits & paid funds$118,965The complete starting cash picture.
Estimated remaining funds due at closing
$118,965No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,657.44
Your down payment$107,657.44
Closing costs + prepaids$11,307.27
Total buyer cash needed$118,964.71
Remaining funds due$118,964.71
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)$1,526.00
Initial HOA (3 months)$275.01
Prepaid interest, first (2 days)$32.26
Fees + prepaids$11,307.27
Your down payment is the seller’s equity. You take over the $217,243 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $118,964.71 is due at closing. Uses and sources reconcile at $336,207.27 each. Not a Closing Disclosure.