Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$1,076Cash toward the purchase price.
Closing costs + prepaids$11,334Not just lender fees.
Before credits & paid funds$12,410The complete starting cash picture.
Estimated remaining funds due at closing
$12,410No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,076.00
Your down payment$1,076.00
Closing costs + prepaids$11,333.97
Total buyer cash needed$12,409.96
Remaining funds due$12,409.96
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)$375.75
Prepaid interest, first (27 days)$1,483.22
Fees + prepaids$11,333.97
Your down payment is the seller’s equity. You take over the $323,924 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $12,409.96 is due at closing. Uses and sources reconcile at $336,333.97 each. Not a Closing Disclosure.