Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$63,069Cash toward the purchase price.
Closing costs + prepaids$11,114Not just lender fees.
Before credits & paid funds$74,183The complete starting cash picture.
Estimated remaining funds due at closing
$74,183No 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$11,114.21
Total buyer cash needed$74,183.44
Remaining funds due$74,183.44
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 (26 days)$1,175.46
Fees + prepaids$11,114.21
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. $74,183.44 is due at closing. Uses and sources reconcile at $336,114.21 each. Not a Closing Disclosure.