Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$324,837Cash toward the purchase price.
Closing costs + prepaids$11,103Not just lender fees.
Before credits & paid funds$335,939The complete starting cash picture.
Estimated remaining funds due at closing
$335,939No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$324,836.56
Your down payment$324,836.56
Closing costs + prepaids$11,102.64
Total buyer cash needed$335,939.20
Remaining funds due$335,939.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,230.00
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)$533.50
Initial HOA (3 months)$105.00
Prepaid interest, first (1 days)$9.14
Fees + prepaids$11,102.64
Your down payment is the seller’s equity. You take over the $98,163 balance, so the rest of the $423,000 price is paid at closing. A second mortgage can cover part of it. $335,939.20 is due at closing. Uses and sources reconcile at $434,102.64 each. Not a Closing Disclosure.