Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$27,480Cash toward the purchase price.
Closing costs + prepaids$11,744Not just lender fees.
Before credits & paid funds$39,224The complete starting cash picture.
Estimated remaining funds due at closing
$39,224No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,480.35
Your down payment$27,480.35
Closing costs + prepaids$11,743.61
Total buyer cash needed$39,223.96
Remaining funds due$39,223.96
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)$823.75
Initial HOA (3 months)$200.01
Prepaid interest, first (23 days)$1,244.85
Fees + prepaids$11,743.61
Your down payment is the seller’s equity. You take over the $297,520 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $39,223.96 is due at closing. Uses and sources reconcile at $336,743.61 each. Not a Closing Disclosure.