Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$71,821Cash toward the purchase price.
Closing costs + prepaids$10,796Not just lender fees.
Before credits & paid funds$82,618The complete starting cash picture.
Estimated remaining funds due at closing
$82,618No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,821.28
Your down payment$71,821.28
Closing costs + prepaids$10,796.47
Total buyer cash needed$82,617.76
Remaining funds due$82,617.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,270.00
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)$408.75
Initial HOA (3 months)$99.99
Prepaid interest, first (17 days)$792.73
Fees + prepaids$10,796.47
Your down payment is the seller’s equity. You take over the $255,179 balance, so the rest of the $327,000 price is paid at closing. A second mortgage can cover part of it. $82,617.76 is due at closing. Uses and sources reconcile at $337,796.47 each. Not a Closing Disclosure.