Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$63,899Cash toward the purchase price.
Closing costs + prepaids$10,562Not just lender fees.
Before credits & paid funds$74,462The complete starting cash picture.
Estimated remaining funds due at closing
$74,462No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,899.39
Your down payment$63,899.39
Closing costs + prepaids$10,562.16
Total buyer cash needed$74,461.56
Remaining funds due$74,461.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,280.00
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)$214.75
Initial HOA (3 months)$270.00
Prepaid interest, first (27 days)$572.41
Fees + prepaids$10,562.16
Your down payment is the seller’s equity. You take over the $264,101 balance, so the rest of the $328,000 price is paid at closing. A second mortgage can cover part of it. $74,461.56 is due at closing. Uses and sources reconcile at $338,562.16 each. Not a Closing Disclosure.