Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$62,979Cash toward the purchase price.
Closing costs + prepaids$12,083Not just lender fees.
Before credits & paid funds$75,062The complete starting cash picture.
Estimated remaining funds due at closing
$75,062No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,978.99
Your down payment$62,978.99
Closing costs + prepaids$12,083.07
Total buyer cash needed$75,062.06
Remaining funds due$75,062.06
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)$935.75
Initial HOA (3 months)$405.00
Prepaid interest, first (26 days)$1,267.32
Fees + prepaids$12,083.07
Your down payment is the seller’s equity. You take over the $262,021 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $75,062.06 is due at closing. Uses and sources reconcile at $337,083.07 each. Not a Closing Disclosure.