Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$123,360Cash toward the purchase price.
Closing costs + prepaids$11,491Not just lender fees.
Before credits & paid funds$134,851The complete starting cash picture.
Estimated remaining funds due at closing
$134,851No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,359.86
Your down payment$123,359.86
Closing costs + prepaids$11,491.29
Total buyer cash needed$134,851.16
Remaining funds due$134,851.16
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)$1,348.00
Initial HOA (3 months)$189.99
Prepaid interest, first (26 days)$478.30
Fees + prepaids$11,491.29
Your down payment is the seller’s equity. You take over the $201,640 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $134,851.16 is due at closing. Uses and sources reconcile at $336,491.29 each. Not a Closing Disclosure.