Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$71,821Cash toward the purchase price.
Closing costs + prepaids$11,246Not just lender fees.
Before credits & paid funds$83,068The complete starting cash picture.
Estimated remaining funds due at closing
$83,068No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,821.28
Your down payment$71,821.28
Closing costs + prepaids$11,246.42
Total buyer cash needed$83,067.70
Remaining funds due$83,067.70
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)$345.75
Initial HOA (3 months)$99.99
Prepaid interest, first (28 days)$1,305.68
Fees + prepaids$11,246.42
Your down payment is the seller’s equity. You take over the $255,179 balance, so the rest of the $327,000 price is paid at closing. A second mortgage can cover part of it. $83,067.70 is due at closing. Uses and sources reconcile at $338,246.42 each. Not a Closing Disclosure.