Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$266,201Cash toward the purchase price.
Closing costs + prepaids$10,529Not just lender fees.
Before credits & paid funds$276,730The complete starting cash picture.
Estimated remaining funds due at closing
$276,730No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,200.56
Your down payment$266,200.56
Closing costs + prepaids$10,529.11
Total buyer cash needed$276,729.68
Remaining funds due$276,729.68
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)$812.50
Initial HOA (3 months)$11.25
Prepaid interest, first (26 days)$230.36
Fees + prepaids$10,529.11
Your down payment is the seller’s equity. You take over the $58,799 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $276,729.68 is due at closing. Uses and sources reconcile at $335,529.11 each. Not a Closing Disclosure.