Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$20,843Cash toward the purchase price.
Closing costs + prepaids$11,260Not just lender fees.
Before credits & paid funds$32,103The complete starting cash picture.
Estimated remaining funds due at closing
$32,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,842.95
Your down payment$20,842.95
Closing costs + prepaids$11,259.94
Total buyer cash needed$32,102.89
Remaining funds due$32,102.89
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)$33.50
Prepaid interest, first (31 days)$1,751.44
Fees + prepaids$11,259.94
Your down payment is the seller’s equity. You take over the $304,157 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $32,102.89 is due at closing. Uses and sources reconcile at $336,259.94 each. Not a Closing Disclosure.