Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$37,291Cash toward the purchase price.
Closing costs + prepaids$10,551Not just lender fees.
Before credits & paid funds$47,842The complete starting cash picture.
Estimated remaining funds due at closing
$47,842No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,291.04
Your down payment$37,291.04
Closing costs + prepaids$10,551.42
Total buyer cash needed$47,842.46
Remaining funds due$47,842.46
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)$390.00
Initial HOA (3 months)$165.00
Prepaid interest, first (10 days)$522.42
Fees + prepaids$10,551.42
Your down payment is the seller’s equity. You take over the $287,609 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $47,842.46 is due at closing. Uses and sources reconcile at $335,451.42 each. Not a Closing Disclosure.