Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$22,401Cash toward the purchase price.
Closing costs + prepaids$11,312Not just lender fees.
Before credits & paid funds$33,713The complete starting cash picture.
Estimated remaining funds due at closing
$33,713No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,401.10
Your down payment$22,401.10
Closing costs + prepaids$11,312.20
Total buyer cash needed$33,713.30
Remaining funds due$33,713.30
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)$264.25
Initial HOA (3 months)$309.00
Prepaid interest, first (22 days)$1,263.95
Fees + prepaids$11,312.20
Your down payment is the seller’s equity. You take over the $302,599 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $33,713.30 is due at closing. Uses and sources reconcile at $336,312.20 each. Not a Closing Disclosure.