Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$25,245Cash toward the purchase price.
Closing costs + prepaids$12,099Not just lender fees.
Before credits & paid funds$37,344The complete starting cash picture.
Estimated remaining funds due at closing
$37,344No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,245.13
Your down payment$25,245.13
Closing costs + prepaids$12,098.89
Total buyer cash needed$37,344.02
Remaining funds due$37,344.02
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)$1,260.00
Initial HOA (3 months)$99.99
Prepaid interest, first (27 days)$1,263.90
Fees + prepaids$12,098.89
Your down payment is the seller’s equity. You take over the $299,755 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $37,344.02 is due at closing. Uses and sources reconcile at $337,098.89 each. Not a Closing Disclosure.