Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$159,291Cash toward the purchase price.
Closing costs + prepaids$11,004Not just lender fees.
Before credits & paid funds$170,294The complete starting cash picture.
Estimated remaining funds due at closing
$170,294No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,290.62
Your down payment$159,290.62
Closing costs + prepaids$11,003.71
Total buyer cash needed$170,294.33
Remaining funds due$170,294.33
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)$1,042.75
Prepaid interest, first (24 days)$485.96
Fees + prepaids$11,003.71
Your down payment is the seller’s equity. You take over the $165,709 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $170,294.33 is due at closing. Uses and sources reconcile at $336,003.71 each. Not a Closing Disclosure.