Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$58,929Cash toward the purchase price.
Closing costs + prepaids$11,626Not just lender fees.
Before credits & paid funds$70,555The complete starting cash picture.
Estimated remaining funds due at closing
$70,555No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,929.26
Your down payment$58,929.26
Closing costs + prepaids$11,625.93
Total buyer cash needed$70,555.19
Remaining funds due$70,555.19
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)$910.25
Initial HOA (3 months)$70.26
Prepaid interest, first (24 days)$1,170.42
Fees + prepaids$11,625.93
Your down payment is the seller’s equity. You take over the $266,071 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $70,555.19 is due at closing. Uses and sources reconcile at $336,625.93 each. Not a Closing Disclosure.