Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$75,742Cash toward the purchase price.
Closing costs + prepaids$11,572Not just lender fees.
Before credits & paid funds$87,314The complete starting cash picture.
Estimated remaining funds due at closing
$87,314No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,742.21
Your down payment$75,742.21
Closing costs + prepaids$11,571.65
Total buyer cash needed$87,313.86
Remaining funds due$87,313.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,270.00
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)$1,023.00
Initial HOA (3 months)$585.00
Prepaid interest, first (23 days)$468.65
Fees + prepaids$11,571.65
Your down payment is the seller’s equity. You take over the $251,258 balance, so the rest of the $327,000 price is paid at closing. A second mortgage can cover part of it. $87,313.86 is due at closing. Uses and sources reconcile at $338,571.65 each. Not a Closing Disclosure.