Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$10,174Cash toward the purchase price.
Closing costs + prepaids$10,661Not just lender fees.
Before credits & paid funds$20,835The complete starting cash picture.
Estimated remaining funds due at closing
$20,835No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,174.05
Your down payment$10,174.05
Closing costs + prepaids$10,660.52
Total buyer cash needed$20,834.57
Remaining funds due$20,834.57
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)$920.75
Initial HOA (3 months)$210.00
Prepaid interest, first (1 days)$54.77
Fees + prepaids$10,660.52
Your down payment is the seller’s equity. You take over the $314,826 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $20,834.57 is due at closing. Uses and sources reconcile at $335,660.52 each. Not a Closing Disclosure.