Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$63,069Cash toward the purchase price.
Closing costs + prepaids$10,798Not just lender fees.
Before credits & paid funds$73,867The complete starting cash picture.
Estimated remaining funds due at closing
$73,867No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,069.23
Your down payment$63,069.23
Closing costs + prepaids$10,797.74
Total buyer cash needed$73,866.97
Remaining funds due$73,866.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,250.00
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)$133.75
Initial HOA (3 months)$330.00
Prepaid interest, first (19 days)$858.99
Fees + prepaids$10,797.74
Your down payment is the seller’s equity. You take over the $261,931 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $73,866.97 is due at closing. Uses and sources reconcile at $335,797.74 each. Not a Closing Disclosure.