Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$102,583Cash toward the purchase price.
Closing costs + prepaids$10,239Not just lender fees.
Before credits & paid funds$112,822The complete starting cash picture.
Estimated remaining funds due at closing
$112,822No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,582.78
Your down payment$102,582.78
Closing costs + prepaids$10,238.99
Total buyer cash needed$112,821.77
Remaining funds due$112,821.77
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)$308.25
Prepaid interest, first (27 days)$455.74
Fees + prepaids$10,238.99
Your down payment is the seller’s equity. You take over the $222,417 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $112,821.77 is due at closing. Uses and sources reconcile at $335,238.99 each. Not a Closing Disclosure.