Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$29,602Cash toward the purchase price.
Closing costs + prepaids$10,706Not just lender fees.
Before credits & paid funds$40,308The complete starting cash picture.
Estimated remaining funds due at closing
$40,308No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,601.79
Your down payment$29,601.79
Closing costs + prepaids$10,706.06
Total buyer cash needed$40,307.85
Remaining funds due$40,307.85
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)$1,137.50
Prepaid interest, first (2 days)$93.56
Fees + prepaids$10,706.06
Your down payment is the seller’s equity. You take over the $295,398 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $40,307.85 is due at closing. Uses and sources reconcile at $335,706.06 each. Not a Closing Disclosure.