Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$151,420Cash toward the purchase price.
Closing costs + prepaids$10,379Not just lender fees.
Before credits & paid funds$161,799The complete starting cash picture.
Estimated remaining funds due at closing
$161,799No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,419.87
Your down payment$151,419.87
Closing costs + prepaids$10,378.71
Total buyer cash needed$161,798.58
Remaining funds due$161,798.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,240.00
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)$388.75
Initial HOA (3 months)$399.00
Prepaid interest, first (9 days)$125.96
Fees + prepaids$10,378.71
Your down payment is the seller’s equity. You take over the $172,580 balance, so the rest of the $324,000 price is paid at closing. A second mortgage can cover part of it. $161,798.58 is due at closing. Uses and sources reconcile at $334,378.71 each. Not a Closing Disclosure.