Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$8,485Cash toward the purchase price.
Closing costs + prepaids$13,451Not just lender fees.
Before credits & paid funds$21,936The complete starting cash picture.
Estimated remaining funds due at closing
$21,936No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,485.17
Your down payment$8,485.17
Closing costs + prepaids$13,450.89
Total buyer cash needed$21,936.06
Remaining funds due$21,936.06
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)$1,943.25
Initial HOA (3 months)$1,974.00
Prepaid interest, first (1 days)$59.64
Fees + prepaids$13,450.89
Your down payment is the seller’s equity. You take over the $316,415 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $21,936.06 is due at closing. Uses and sources reconcile at $338,350.89 each. Not a Closing Disclosure.