Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$17,944Cash toward the purchase price.
Closing costs + prepaids$10,837Not just lender fees.
Before credits & paid funds$28,780The complete starting cash picture.
Estimated remaining funds due at closing
$28,780No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,943.67
Your down payment$17,943.67
Closing costs + prepaids$10,836.61
Total buyer cash needed$28,780.28
Remaining funds due$28,780.28
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)$627.75
Initial HOA (3 months)$678.00
Prepaid interest, first (1 days)$55.86
Fees + prepaids$10,836.61
Your down payment is the seller’s equity. You take over the $307,056 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $28,780.28 is due at closing. Uses and sources reconcile at $335,836.61 each. Not a Closing Disclosure.