Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$74,477Cash toward the purchase price.
Closing costs + prepaids$11,393Not just lender fees.
Before credits & paid funds$85,870The complete starting cash picture.
Estimated remaining funds due at closing
$85,870No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,477.00
Your down payment$74,477.00
Closing costs + prepaids$11,393.12
Total buyer cash needed$85,870.12
Remaining funds due$85,870.12
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)$520.00
Prepaid interest, first (30 days)$1,398.12
Fees + prepaids$11,393.12
Your down payment is the seller’s equity. You take over the $250,523 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $85,870.12 is due at closing. Uses and sources reconcile at $336,393.12 each. Not a Closing Disclosure.