Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$71,158Cash toward the purchase price.
Closing costs + prepaids$10,668Not just lender fees.
Before credits & paid funds$81,826The complete starting cash picture.
Estimated remaining funds due at closing
$81,826No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,157.81
Your down payment$71,157.81
Closing costs + prepaids$10,668.21
Total buyer cash needed$81,826.02
Remaining funds due$81,826.02
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)$360.75
Prepaid interest, first (18 days)$832.46
Fees + prepaids$10,668.21
Your down payment is the seller’s equity. You take over the $253,842 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $81,826.02 is due at closing. Uses and sources reconcile at $335,668.21 each. Not a Closing Disclosure.