Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$118,086Cash toward the purchase price.
Closing costs + prepaids$11,758Not just lender fees.
Before credits & paid funds$129,844The complete starting cash picture.
Estimated remaining funds due at closing
$129,844No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,085.90
Your down payment$118,085.90
Closing costs + prepaids$11,757.84
Total buyer cash needed$129,843.75
Remaining funds due$129,843.75
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)$1,886.25
Prepaid interest, first (22 days)$396.59
Fees + prepaids$11,757.84
Your down payment is the seller’s equity. You take over the $206,914 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $129,843.75 is due at closing. Uses and sources reconcile at $336,757.84 each. Not a Closing Disclosure.