Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$72,927Cash toward the purchase price.
Closing costs + prepaids$11,326Not just lender fees.
Before credits & paid funds$84,253The complete starting cash picture.
Estimated remaining funds due at closing
$84,253No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,926.74
Your down payment$72,926.74
Closing costs + prepaids$11,326.20
Total buyer cash needed$84,252.94
Remaining funds due$84,252.94
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)$937.50
Prepaid interest, first (25 days)$914.70
Fees + prepaids$11,326.20
Your down payment is the seller’s equity. You take over the $251,973 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $84,252.94 is due at closing. Uses and sources reconcile at $336,226.20 each. Not a Closing Disclosure.