Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$58,546Cash toward the purchase price.
Closing costs + prepaids$11,083Not just lender fees.
Before credits & paid funds$69,629The complete starting cash picture.
Estimated remaining funds due at closing
$69,629No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,546.43
Your down payment$58,546.43
Closing costs + prepaids$11,082.51
Total buyer cash needed$69,628.94
Remaining funds due$69,628.94
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)$138.00
Prepaid interest, first (30 days)$1,469.51
Fees + prepaids$11,082.51
Your down payment is the seller’s equity. You take over the $266,454 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $69,628.94 is due at closing. Uses and sources reconcile at $336,082.51 each. Not a Closing Disclosure.