Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$61,075Cash toward the purchase price.
Closing costs + prepaids$11,611Not just lender fees.
Before credits & paid funds$72,686The complete starting cash picture.
Estimated remaining funds due at closing
$72,686No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,074.73
Your down payment$61,074.73
Closing costs + prepaids$11,611.16
Total buyer cash needed$72,685.89
Remaining funds due$72,685.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,249.00
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)$1,329.25
Initial HOA (3 months)$264.00
Prepaid interest, first (25 days)$543.91
Fees + prepaids$11,611.16
Your down payment is the seller’s equity. You take over the $263,825 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $72,685.89 is due at closing. Uses and sources reconcile at $336,511.16 each. Not a Closing Disclosure.