Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$247,007Cash toward the purchase price.
Closing costs + prepaids$9,953Not just lender fees.
Before credits & paid funds$256,959The complete starting cash picture.
Estimated remaining funds due at closing
$256,959No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$247,006.58
Your down payment$247,006.58
Closing costs + prepaids$9,952.60
Total buyer cash needed$256,959.19
Remaining funds due$256,959.19
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)$257.00
Prepaid interest, first (29 days)$220.60
Fees + prepaids$9,952.60
Your down payment is the seller’s equity. You take over the $77,993 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $256,959.19 is due at closing. Uses and sources reconcile at $334,952.60 each. Not a Closing Disclosure.