Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$162,825Cash toward the purchase price.
Closing costs + prepaids$10,980Not just lender fees.
Before credits & paid funds$173,805The complete starting cash picture.
Estimated remaining funds due at closing
$173,805No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,824.70
Your down payment$162,824.70
Closing costs + prepaids$10,980.49
Total buyer cash needed$173,805.19
Remaining funds due$173,805.19
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)$1,070.50
Prepaid interest, first (22 days)$434.99
Fees + prepaids$10,980.49
Your down payment is the seller’s equity. You take over the $162,175 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $173,805.19 is due at closing. Uses and sources reconcile at $335,980.49 each. Not a Closing Disclosure.