Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$65,418Cash toward the purchase price.
Closing costs + prepaids$11,744Not just lender fees.
Before credits & paid funds$77,162The complete starting cash picture.
Estimated remaining funds due at closing
$77,162No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,417.99
Your down payment$65,417.99
Closing costs + prepaids$11,744.40
Total buyer cash needed$77,162.40
Remaining funds due$77,162.40
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)$391.50
Initial HOA (3 months)$660.00
Prepaid interest, first (25 days)$1,217.90
Fees + prepaids$11,744.40
Your down payment is the seller’s equity. You take over the $259,582 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $77,162.40 is due at closing. Uses and sources reconcile at $336,744.40 each. Not a Closing Disclosure.