Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$186,753Cash toward the purchase price.
Closing costs + prepaids$11,594Not just lender fees.
Before credits & paid funds$198,347The complete starting cash picture.
Estimated remaining funds due at closing
$198,347No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,753.17
Your down payment$186,753.17
Closing costs + prepaids$11,593.85
Total buyer cash needed$198,347.03
Remaining funds due$198,347.03
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)$943.75
Initial HOA (3 months)$729.00
Prepaid interest, first (26 days)$446.10
Fees + prepaids$11,593.85
Your down payment is the seller’s equity. You take over the $138,247 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $198,347.03 is due at closing. Uses and sources reconcile at $336,593.85 each. Not a Closing Disclosure.