Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$43,243Cash toward the purchase price.
Closing costs + prepaids$12,222Not just lender fees.
Before credits & paid funds$55,466The complete starting cash picture.
Estimated remaining funds due at closing
$55,466No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,243.19
Your down payment$43,243.19
Closing costs + prepaids$12,222.32
Total buyer cash needed$55,465.51
Remaining funds due$55,465.51
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)$870.25
Initial HOA (3 months)$300.00
Prepaid interest, first (30 days)$1,577.07
Fees + prepaids$12,222.32
Your down payment is the seller’s equity. You take over the $281,757 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $55,465.51 is due at closing. Uses and sources reconcile at $337,222.32 each. Not a Closing Disclosure.