Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$12,734Cash toward the purchase price.
Closing costs + prepaids$10,670Not just lender fees.
Before credits & paid funds$23,403The complete starting cash picture.
Estimated remaining funds due at closing
$23,403No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,733.62
Your down payment$12,733.62
Closing costs + prepaids$10,669.74
Total buyer cash needed$23,403.36
Remaining funds due$23,403.36
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)$28.75
Prepaid interest, first (21 days)$1,165.99
Fees + prepaids$10,669.74
Your down payment is the seller’s equity. You take over the $312,266 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $23,403.36 is due at closing. Uses and sources reconcile at $335,669.74 each. Not a Closing Disclosure.