Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$28,258Cash toward the purchase price.
Closing costs + prepaids$12,424Not just lender fees.
Before credits & paid funds$40,681The complete starting cash picture.
Estimated remaining funds due at closing
$40,681No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,257.90
Your down payment$28,257.90
Closing costs + prepaids$12,423.55
Total buyer cash needed$40,681.46
Remaining funds due$40,681.46
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)$1,337.25
Initial HOA (3 months)$234.99
Prepaid interest, first (27 days)$1,376.31
Fees + prepaids$12,423.55
Your down payment is the seller’s equity. You take over the $296,742 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $40,681.46 is due at closing. Uses and sources reconcile at $337,423.55 each. Not a Closing Disclosure.