Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$28,176Cash toward the purchase price.
Closing costs + prepaids$10,615Not just lender fees.
Before credits & paid funds$38,791The complete starting cash picture.
Estimated remaining funds due at closing
$38,791No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,176.44
Your down payment$28,176.44
Closing costs + prepaids$10,614.78
Total buyer cash needed$38,791.22
Remaining funds due$38,791.22
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)$107.00
Prepaid interest, first (20 days)$1,032.78
Fees + prepaids$10,614.78
Your down payment is the seller’s equity. You take over the $296,824 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $38,791.22 is due at closing. Uses and sources reconcile at $335,614.78 each. Not a Closing Disclosure.