Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$60,899Cash toward the purchase price.
Closing costs + prepaids$10,540Not just lender fees.
Before credits & paid funds$71,439The complete starting cash picture.
Estimated remaining funds due at closing
$71,439No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,898.89
Your down payment$60,898.89
Closing costs + prepaids$10,540.36
Total buyer cash needed$71,439.24
Remaining funds due$71,439.24
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)$828.75
Prepaid interest, first (5 days)$236.61
Fees + prepaids$10,540.36
Your down payment is the seller’s equity. You take over the $264,101 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $71,439.24 is due at closing. Uses and sources reconcile at $335,540.36 each. Not a Closing Disclosure.