Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$70,606Cash toward the purchase price.
Closing costs + prepaids$12,566Not just lender fees.
Before credits & paid funds$83,172The complete starting cash picture.
Estimated remaining funds due at closing
$83,172No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,605.89
Your down payment$70,605.89
Closing costs + prepaids$12,566.07
Total buyer cash needed$83,171.97
Remaining funds due$83,171.97
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)$1,030.00
Initial HOA (3 months)$1,581.00
Prepaid interest, first (24 days)$480.07
Fees + prepaids$12,566.07
Your down payment is the seller’s equity. You take over the $254,394 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $83,171.97 is due at closing. Uses and sources reconcile at $337,566.07 each. Not a Closing Disclosure.