Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$8,290Cash toward the purchase price.
Closing costs + prepaids$13,209Not just lender fees.
Before credits & paid funds$21,499The complete starting cash picture.
Estimated remaining funds due at closing
$21,499No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,289.59
Your down payment$8,289.59
Closing costs + prepaids$13,209.08
Total buyer cash needed$21,498.67
Remaining funds due$21,498.67
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)$1,548.00
Initial HOA (3 months)$402.00
Prepaid interest, first (29 days)$1,784.08
Fees + prepaids$13,209.08
Your down payment is the seller’s equity. You take over the $316,710 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $21,498.67 is due at closing. Uses and sources reconcile at $338,209.08 each. Not a Closing Disclosure.