Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$38,994Cash toward the purchase price.
Closing costs + prepaids$11,015Not just lender fees.
Before credits & paid funds$50,009The complete starting cash picture.
Estimated remaining funds due at closing
$50,009No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,993.60
Your down payment$38,993.60
Closing costs + prepaids$11,014.94
Total buyer cash needed$50,008.54
Remaining funds due$50,008.54
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
Initial HOA (3 months)$99.99
Prepaid interest, first (17 days)$1,033.70
Fees + prepaids$11,014.94
Your down payment is the seller’s equity. You take over the $286,006 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $50,008.54 is due at closing. Uses and sources reconcile at $336,014.94 each. Not a Closing Disclosure.