Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$43,884Cash toward the purchase price.
Closing costs + prepaids$11,295Not just lender fees.
Before credits & paid funds$55,179The complete starting cash picture.
Estimated remaining funds due at closing
$55,179No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,884.45
Your down payment$43,884.45
Closing costs + prepaids$11,294.72
Total buyer cash needed$55,179.17
Remaining funds due$55,179.17
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)$483.50
Initial HOA (3 months)$24.99
Prepaid interest, first (25 days)$1,311.23
Fees + prepaids$11,294.72
Your down payment is the seller’s equity. You take over the $281,116 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $55,179.17 is due at closing. Uses and sources reconcile at $336,294.72 each. Not a Closing Disclosure.