Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$174,394Cash toward the purchase price.
Closing costs + prepaids$10,805Not just lender fees.
Before credits & paid funds$185,199The complete starting cash picture.
Estimated remaining funds due at closing
$185,199No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,394.35
Your down payment$174,394.35
Closing costs + prepaids$10,804.57
Total buyer cash needed$185,198.92
Remaining funds due$185,198.92
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)$689.50
Initial HOA (3 months)$200.01
Prepaid interest, first (27 days)$440.06
Fees + prepaids$10,804.57
Your down payment is the seller’s equity. You take over the $150,606 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $185,198.92 is due at closing. Uses and sources reconcile at $335,804.57 each. Not a Closing Disclosure.