Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$234,573Cash toward the purchase price.
Closing costs + prepaids$10,881Not just lender fees.
Before credits & paid funds$245,454The complete starting cash picture.
Estimated remaining funds due at closing
$245,454No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,572.73
Your down payment$234,572.73
Closing costs + prepaids$10,881.44
Total buyer cash needed$245,454.17
Remaining funds due$245,454.17
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)$1,158.50
Prepaid interest, first (24 days)$247.94
Fees + prepaids$10,881.44
Your down payment is the seller’s equity. You take over the $90,427 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $245,454.17 is due at closing. Uses and sources reconcile at $335,881.44 each. Not a Closing Disclosure.