Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$65,742Cash toward the purchase price.
Closing costs + prepaids$12,487Not just lender fees.
Before credits & paid funds$78,228The complete starting cash picture.
Estimated remaining funds due at closing
$78,228No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,741.83
Your down payment$65,741.83
Closing costs + prepaids$12,486.60
Total buyer cash needed$78,228.44
Remaining funds due$78,228.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,245.00
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)$1,948.25
Prepaid interest, first (22 days)$1,068.35
Fees + prepaids$12,486.60
Your down payment is the seller’s equity. You take over the $258,758 balance, so the rest of the $324,500 price is paid at closing. A second mortgage can cover part of it. $78,228.44 is due at closing. Uses and sources reconcile at $336,986.60 each. Not a Closing Disclosure.