Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$47,434Cash toward the purchase price.
Closing costs + prepaids$11,504Not just lender fees.
Before credits & paid funds$58,938The complete starting cash picture.
Estimated remaining funds due at closing
$58,938No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,434.17
Your down payment$47,434.17
Closing costs + prepaids$11,503.93
Total buyer cash needed$58,938.10
Remaining funds due$58,938.10
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)$359.50
Initial HOA (3 months)$1,020.00
Prepaid interest, first (28 days)$649.43
Fees + prepaids$11,503.93
Your down payment is the seller’s equity. You take over the $277,566 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $58,938.10 is due at closing. Uses and sources reconcile at $336,503.93 each. Not a Closing Disclosure.