Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$90,649Cash toward the purchase price.
Closing costs + prepaids$10,413Not just lender fees.
Before credits & paid funds$101,063The complete starting cash picture.
Estimated remaining funds due at closing
$101,063No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,649.34
Your down payment$90,649.34
Closing costs + prepaids$10,413.43
Total buyer cash needed$101,062.77
Remaining funds due$101,062.77
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)$322.50
Initial HOA (3 months)$195.00
Prepaid interest, first (22 days)$420.93
Fees + prepaids$10,413.43
Your down payment is the seller’s equity. You take over the $234,351 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $101,062.77 is due at closing. Uses and sources reconcile at $335,413.43 each. Not a Closing Disclosure.