Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$32,074Cash toward the purchase price.
Closing costs + prepaids$10,159Not just lender fees.
Before credits & paid funds$42,233The complete starting cash picture.
Estimated remaining funds due at closing
$42,233No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,074.28
Your down payment$32,074.28
Closing costs + prepaids$10,158.73
Total buyer cash needed$42,233.00
Remaining funds due$42,233.00
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
Prepaid interest, first (12 days)$293.73
Fees + prepaids$10,158.73
Your down payment is the seller’s equity. You take over the $292,926 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $42,233.00 is due at closing. Uses and sources reconcile at $335,158.73 each. Not a Closing Disclosure.