Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$29,787Cash toward the purchase price.
Closing costs + prepaids$11,746Not just lender fees.
Before credits & paid funds$41,533The complete starting cash picture.
Estimated remaining funds due at closing
$41,533No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,786.74
Your down payment$29,786.74
Closing costs + prepaids$11,746.47
Total buyer cash needed$41,533.21
Remaining funds due$41,533.21
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)$514.75
Initial HOA (3 months)$135.00
Prepaid interest, first (30 days)$1,622.72
Fees + prepaids$11,746.47
Your down payment is the seller’s equity. You take over the $295,113 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $41,533.21 is due at closing. Uses and sources reconcile at $336,646.47 each. Not a Closing Disclosure.