Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$66,593Cash toward the purchase price.
Closing costs + prepaids$12,121Not just lender fees.
Before credits & paid funds$78,713The complete starting cash picture.
Estimated remaining funds due at closing
$78,713No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,592.51
Your down payment$66,592.51
Closing costs + prepaids$12,120.72
Total buyer cash needed$78,713.22
Remaining funds due$78,713.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,249.99
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)$1,164.50
Initial HOA (3 months)$269.76
Prepaid interest, first (23 days)$1,211.47
Fees + prepaids$12,120.72
Your down payment is the seller’s equity. You take over the $258,406 balance, so the rest of the $324,999 price is paid at closing. A second mortgage can cover part of it. $78,713.22 is due at closing. Uses and sources reconcile at $337,119.72 each. Not a Closing Disclosure.