Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$311,966Cash toward the purchase price.
Closing costs + prepaids$10,989Not just lender fees.
Before credits & paid funds$322,955The complete starting cash picture.
Estimated remaining funds due at closing
$322,955No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$311,965.97
Your down payment$311,965.97
Closing costs + prepaids$10,988.88
Total buyer cash needed$322,954.85
Remaining funds due$322,954.85
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)$1,443.25
Initial HOA (3 months)$24.99
Prepaid interest, first (18 days)$45.64
Fees + prepaids$10,988.88
Your down payment is the seller’s equity. You take over the $13,034 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $322,954.85 is due at closing. Uses and sources reconcile at $335,988.88 each. Not a Closing Disclosure.