Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$62,188Cash toward the purchase price.
Closing costs + prepaids$11,222Not just lender fees.
Before credits & paid funds$73,409The complete starting cash picture.
Estimated remaining funds due at closing
$73,409No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,187.60
Your down payment$62,187.60
Closing costs + prepaids$11,221.89
Total buyer cash needed$73,409.49
Remaining funds due$73,409.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,220.00
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)$520.25
Prepaid interest, first (26 days)$1,256.64
Fees + prepaids$11,221.89
Your down payment is the seller’s equity. You take over the $259,812 balance, so the rest of the $322,000 price is paid at closing. A second mortgage can cover part of it. $73,409.49 is due at closing. Uses and sources reconcile at $333,221.89 each. Not a Closing Disclosure.