Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$20,153Cash toward the purchase price.
Closing costs + prepaids$10,363Not just lender fees.
Before credits & paid funds$30,517The complete starting cash picture.
Estimated remaining funds due at closing
$30,517No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,153.22
Your down payment$20,153.22
Closing costs + prepaids$10,363.35
Total buyer cash needed$30,516.57
Remaining funds due$30,516.57
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)$390.00
Initial HOA (3 months)$267.00
Prepaid interest, first (10 days)$231.35
Fees + prepaids$10,363.35
Your down payment is the seller’s equity. You take over the $304,847 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $30,516.57 is due at closing. Uses and sources reconcile at $335,363.35 each. Not a Closing Disclosure.