Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$186,681Cash toward the purchase price.
Closing costs + prepaids$10,586Not just lender fees.
Before credits & paid funds$197,266The complete starting cash picture.
Estimated remaining funds due at closing
$197,266No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,680.66
Your down payment$186,680.66
Closing costs + prepaids$10,585.57
Total buyer cash needed$197,266.23
Remaining funds due$197,266.23
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)$557.75
Initial HOA (3 months)$540.00
Prepaid interest, first (1 days)$13.82
Fees + prepaids$10,585.57
Your down payment is the seller’s equity. You take over the $138,219 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $197,266.23 is due at closing. Uses and sources reconcile at $335,485.57 each. Not a Closing Disclosure.