Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$70,398Cash toward the purchase price.
Closing costs + prepaids$10,969Not just lender fees.
Before credits & paid funds$81,367The complete starting cash picture.
Estimated remaining funds due at closing
$81,367No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,398.39
Your down payment$70,398.39
Closing costs + prepaids$10,968.62
Total buyer cash needed$81,367.01
Remaining funds due$81,367.01
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)$320.50
Initial HOA (3 months)$702.00
Prepaid interest, first (22 days)$471.12
Fees + prepaids$10,968.62
Your down payment is the seller’s equity. You take over the $254,602 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $81,367.01 is due at closing. Uses and sources reconcile at $335,968.62 each. Not a Closing Disclosure.