Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$106,024Cash toward the purchase price.
Closing costs + prepaids$10,179Not just lender fees.
Before credits & paid funds$116,203The complete starting cash picture.
Estimated remaining funds due at closing
$116,203No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,023.94
Your down payment$106,023.94
Closing costs + prepaids$10,178.65
Total buyer cash needed$116,202.59
Remaining funds due$116,202.59
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)$125.25
Prepaid interest, first (31 days)$578.40
Fees + prepaids$10,178.65
Your down payment is the seller’s equity. You take over the $218,976 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $116,202.59 is due at closing. Uses and sources reconcile at $335,178.65 each. Not a Closing Disclosure.