Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$178,705Cash toward the purchase price.
Closing costs + prepaids$11,748Not just lender fees.
Before credits & paid funds$190,454The complete starting cash picture.
Estimated remaining funds due at closing
$190,454No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,705.34
Your down payment$178,705.34
Closing costs + prepaids$11,748.19
Total buyer cash needed$190,453.53
Remaining funds due$190,453.53
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)$896.50
Initial HOA (3 months)$933.00
Prepaid interest, first (27 days)$443.69
Fees + prepaids$11,748.19
Your down payment is the seller’s equity. You take over the $146,295 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $190,453.53 is due at closing. Uses and sources reconcile at $336,748.19 each. Not a Closing Disclosure.