Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$73,419Cash toward the purchase price.
Closing costs + prepaids$10,341Not just lender fees.
Before credits & paid funds$83,760The complete starting cash picture.
Estimated remaining funds due at closing
$83,760No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,418.96
Your down payment$73,418.96
Closing costs + prepaids$10,341.07
Total buyer cash needed$83,760.03
Remaining funds due$83,760.03
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)$451.75
Prepaid interest, first (22 days)$415.32
Fees + prepaids$10,341.07
Your down payment is the seller’s equity. You take over the $251,481 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $83,760.03 is due at closing. Uses and sources reconcile at $335,241.07 each. Not a Closing Disclosure.