Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$73,885Cash toward the purchase price.
Closing costs + prepaids$11,240Not just lender fees.
Before credits & paid funds$85,125The complete starting cash picture.
Estimated remaining funds due at closing
$85,125No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,885.28
Your down payment$73,885.28
Closing costs + prepaids$11,239.67
Total buyer cash needed$85,124.95
Remaining funds due$85,124.95
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)$390.00
Initial HOA (3 months)$1,224.00
Prepaid interest, first (6 days)$150.67
Fees + prepaids$11,239.67
Your down payment is the seller’s equity. You take over the $251,115 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $85,124.95 is due at closing. Uses and sources reconcile at $336,239.67 each. Not a Closing Disclosure.