Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$44,009Cash toward the purchase price.
Closing costs + prepaids$10,948Not just lender fees.
Before credits & paid funds$54,957The complete starting cash picture.
Estimated remaining funds due at closing
$54,957No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,008.90
Your down payment$44,008.90
Closing costs + prepaids$10,948.15
Total buyer cash needed$54,957.05
Remaining funds due$54,957.05
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)$390.00
Initial HOA (3 months)$600.00
Prepaid interest, first (12 days)$483.15
Fees + prepaids$10,948.15
Your down payment is the seller’s equity. You take over the $280,991 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $54,957.05 is due at closing. Uses and sources reconcile at $335,948.15 each. Not a Closing Disclosure.