Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$39,421Cash toward the purchase price.
Closing costs + prepaids$11,683Not just lender fees.
Before credits & paid funds$51,104The complete starting cash picture.
Estimated remaining funds due at closing
$51,104No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,420.59
Your down payment$39,420.59
Closing costs + prepaids$11,682.93
Total buyer cash needed$51,103.52
Remaining funds due$51,103.52
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)$812.50
Prepaid interest, first (29 days)$1,395.43
Fees + prepaids$11,682.93
Your down payment is the seller’s equity. You take over the $285,579 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $51,103.52 is due at closing. Uses and sources reconcile at $336,682.93 each. Not a Closing Disclosure.