Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$142,754Cash toward the purchase price.
Closing costs + prepaids$11,508Not just lender fees.
Before credits & paid funds$154,262The complete starting cash picture.
Estimated remaining funds due at closing
$154,262No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,753.98
Your down payment$142,753.98
Closing costs + prepaids$11,508.01
Total buyer cash needed$154,261.99
Remaining funds due$154,261.99
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)$1,683.50
Initial HOA (3 months)$36.00
Prepaid interest, first (23 days)$313.51
Fees + prepaids$11,508.01
Your down payment is the seller’s equity. You take over the $182,246 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $154,261.99 is due at closing. Uses and sources reconcile at $336,508.01 each. Not a Closing Disclosure.