Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$44,222Cash toward the purchase price.
Closing costs + prepaids$12,092Not just lender fees.
Before credits & paid funds$56,314The complete starting cash picture.
Estimated remaining funds due at closing
$56,314No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,221.95
Your down payment$44,221.95
Closing costs + prepaids$12,092.17
Total buyer cash needed$56,314.11
Remaining funds due$56,314.11
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)$1,643.75
Prepaid interest, first (18 days)$973.42
Fees + prepaids$12,092.17
Your down payment is the seller’s equity. You take over the $280,778 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $56,314.11 is due at closing. Uses and sources reconcile at $337,092.17 each. Not a Closing Disclosure.