Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$52,285Cash toward the purchase price.
Closing costs + prepaids$11,162Not just lender fees.
Before credits & paid funds$63,447The complete starting cash picture.
Estimated remaining funds due at closing
$63,447No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,285.29
Your down payment$52,285.29
Closing costs + prepaids$11,162.02
Total buyer cash needed$63,447.31
Remaining funds due$63,447.31
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)$434.25
Prepaid interest, first (27 days)$1,252.77
Fees + prepaids$11,162.02
Your down payment is the seller’s equity. You take over the $272,715 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $63,447.31 is due at closing. Uses and sources reconcile at $336,162.02 each. Not a Closing Disclosure.