Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$11,394Cash toward the purchase price.
Closing costs + prepaids$11,836Not just lender fees.
Before credits & paid funds$23,230The complete starting cash picture.
Estimated remaining funds due at closing
$23,230No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,393.70
Your down payment$11,393.70
Closing costs + prepaids$11,836.05
Total buyer cash needed$23,229.75
Remaining funds due$23,229.75
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)$490.00
Initial HOA (3 months)$225.00
Prepaid interest, first (31 days)$1,646.05
Fees + prepaids$11,836.05
Your down payment is the seller’s equity. You take over the $313,606 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $23,229.75 is due at closing. Uses and sources reconcile at $336,836.05 each. Not a Closing Disclosure.