Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$78,652Cash toward the purchase price.
Closing costs + prepaids$11,648Not just lender fees.
Before credits & paid funds$90,300The complete starting cash picture.
Estimated remaining funds due at closing
$90,300No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,651.77
Your down payment$78,651.77
Closing costs + prepaids$11,648.15
Total buyer cash needed$90,299.93
Remaining funds due$90,299.93
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)$812.50
Prepaid interest, first (28 days)$1,360.65
Fees + prepaids$11,648.15
Your down payment is the seller’s equity. You take over the $246,348 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $90,299.93 is due at closing. Uses and sources reconcile at $336,648.15 each. Not a Closing Disclosure.