Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$9,979Cash toward the purchase price.
Closing costs + prepaids$10,896Not just lender fees.
Before credits & paid funds$20,875The complete starting cash picture.
Estimated remaining funds due at closing
$20,875No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,978.94
Your down payment$9,978.94
Closing costs + prepaids$10,895.70
Total buyer cash needed$20,874.64
Remaining funds due$20,874.64
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)$406.25
Prepaid interest, first (18 days)$1,014.45
Fees + prepaids$10,895.70
Your down payment is the seller’s equity. You take over the $315,021 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $20,874.64 is due at closing. Uses and sources reconcile at $335,895.70 each. Not a Closing Disclosure.