Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$87,792Cash toward the purchase price.
Closing costs + prepaids$10,685Not just lender fees.
Before credits & paid funds$98,477The complete starting cash picture.
Estimated remaining funds due at closing
$98,477No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,792.07
Your down payment$87,792.07
Closing costs + prepaids$10,684.59
Total buyer cash needed$98,476.66
Remaining funds due$98,476.66
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)$348.25
Initial HOA (3 months)$255.00
Prepaid interest, first (30 days)$606.34
Fees + prepaids$10,684.59
Your down payment is the seller’s equity. You take over the $237,208 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $98,476.66 is due at closing. Uses and sources reconcile at $335,684.59 each. Not a Closing Disclosure.