Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$68,089Cash toward the purchase price.
Closing costs + prepaids$11,722Not just lender fees.
Before credits & paid funds$79,811The complete starting cash picture.
Estimated remaining funds due at closing
$79,811No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,089.08
Your down payment$68,089.08
Closing costs + prepaids$11,722.06
Total buyer cash needed$79,811.15
Remaining funds due$79,811.15
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)$960.75
Prepaid interest, first (25 days)$1,286.31
Fees + prepaids$11,722.06
Your down payment is the seller’s equity. You take over the $256,911 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $79,811.15 is due at closing. Uses and sources reconcile at $336,722.06 each. Not a Closing Disclosure.