Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$34,618Cash toward the purchase price.
Closing costs + prepaids$9,801Not just lender fees.
Before credits & paid funds$44,419The complete starting cash picture.
Estimated remaining funds due at closing
$44,419No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,617.67
Your down payment$34,617.67
Closing costs + prepaids$9,801.42
Total buyer cash needed$44,419.09
Remaining funds due$44,419.09
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)$282.50
Prepaid interest, first (1 days)$43.92
Fees + prepaids$9,801.42
Your down payment is the seller’s equity. You take over the $290,382 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $44,419.09 is due at closing. Uses and sources reconcile at $334,801.42 each. Not a Closing Disclosure.