Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$27,160Cash toward the purchase price.
Closing costs + prepaids$10,553Not just lender fees.
Before credits & paid funds$37,713The complete starting cash picture.
Estimated remaining funds due at closing
$37,713No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,159.96
Your down payment$27,159.96
Closing costs + prepaids$10,552.94
Total buyer cash needed$37,712.90
Remaining funds due$37,712.90
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)$823.75
Initial HOA (3 months)$200.01
Prepaid interest, first (1 days)$54.18
Fees + prepaids$10,552.94
Your down payment is the seller’s equity. You take over the $297,840 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $37,712.90 is due at closing. Uses and sources reconcile at $335,552.94 each. Not a Closing Disclosure.