Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$7,425Cash toward the purchase price.
Closing costs + prepaids$13,035Not just lender fees.
Before credits & paid funds$20,460The complete starting cash picture.
Estimated remaining funds due at closing
$20,460No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,424.64
Your down payment$7,424.64
Closing costs + prepaids$13,035.12
Total buyer cash needed$20,459.77
Remaining funds due$20,459.77
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)$1,362.50
Initial HOA (3 months)$579.99
Prepaid interest, first (28 days)$1,617.63
Fees + prepaids$13,035.12
Your down payment is the seller’s equity. You take over the $317,575 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $20,459.77 is due at closing. Uses and sources reconcile at $338,035.12 each. Not a Closing Disclosure.