Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$144,655Cash toward the purchase price.
Closing costs + prepaids$10,232Not just lender fees.
Before credits & paid funds$154,886The complete starting cash picture.
Estimated remaining funds due at closing
$154,886No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,654.81
Your down payment$144,654.81
Closing costs + prepaids$10,231.67
Total buyer cash needed$154,886.48
Remaining funds due$154,886.48
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)$201.00
Prepaid interest, first (9 days)$166.67
Fees + prepaids$10,231.67
Your down payment is the seller’s equity. You take over the $180,245 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $154,886.48 is due at closing. Uses and sources reconcile at $335,131.67 each. Not a Closing Disclosure.