Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$30,530Cash toward the purchase price.
Closing costs + prepaids$12,822Not just lender fees.
Before credits & paid funds$43,352The complete starting cash picture.
Estimated remaining funds due at closing
$43,352No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,530.11
Your down payment$30,530.11
Closing costs + prepaids$12,821.79
Total buyer cash needed$43,351.90
Remaining funds due$43,351.90
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)$1,811.00
Initial HOA (3 months)$26.25
Prepaid interest, first (27 days)$1,509.54
Fees + prepaids$12,821.79
Your down payment is the seller’s equity. You take over the $294,470 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $43,351.90 is due at closing. Uses and sources reconcile at $337,821.79 each. Not a Closing Disclosure.