Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$121,670Cash toward the purchase price.
Closing costs + prepaids$10,782Not just lender fees.
Before credits & paid funds$132,452The complete starting cash picture.
Estimated remaining funds due at closing
$132,452No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,670.30
Your down payment$121,670.30
Closing costs + prepaids$10,781.77
Total buyer cash needed$132,452.07
Remaining funds due$132,452.07
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)$512.50
Initial HOA (3 months)$771.99
Prepaid interest, first (1 days)$22.28
Fees + prepaids$10,781.77
Your down payment is the seller’s equity. You take over the $203,330 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $132,452.07 is due at closing. Uses and sources reconcile at $335,781.77 each. Not a Closing Disclosure.