Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$51,533Cash toward the purchase price.
Closing costs + prepaids$12,111Not just lender fees.
Before credits & paid funds$63,644The complete starting cash picture.
Estimated remaining funds due at closing
$63,644No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,533.01
Your down payment$51,533.01
Closing costs + prepaids$12,111.14
Total buyer cash needed$63,644.16
Remaining funds due$63,644.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,260.00
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)$622.25
Initial HOA (3 months)$1,470.00
Prepaid interest, first (25 days)$533.89
Fees + prepaids$12,111.14
Your down payment is the seller’s equity. You take over the $274,467 balance, so the rest of the $326,000 price is paid at closing. A second mortgage can cover part of it. $63,644.16 is due at closing. Uses and sources reconcile at $338,111.14 each. Not a Closing Disclosure.