Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$7,952Cash toward the purchase price.
Closing costs + prepaids$12,895Not just lender fees.
Before credits & paid funds$20,847The complete starting cash picture.
Estimated remaining funds due at closing
$20,847No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,952.01
Your down payment$7,952.01
Closing costs + prepaids$12,895.00
Total buyer cash needed$20,847.01
Remaining funds due$20,847.01
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)$1,943.25
Initial HOA (3 months)$162.00
Prepaid interest, first (22 days)$1,314.75
Fees + prepaids$12,895.00
Your down payment is the seller’s equity. You take over the $317,048 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $20,847.01 is due at closing. Uses and sources reconcile at $337,895.00 each. Not a Closing Disclosure.