Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$117,420Cash toward the purchase price.
Closing costs + prepaids$10,262Not just lender fees.
Before credits & paid funds$127,681The complete starting cash picture.
Estimated remaining funds due at closing
$127,681No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,419.67
Your down payment$117,419.67
Closing costs + prepaids$10,261.62
Total buyer cash needed$127,681.29
Remaining funds due$127,681.29
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)$406.25
Initial HOA (3 months)$99.99
Prepaid interest, first (17 days)$280.38
Fees + prepaids$10,261.62
Your down payment is the seller’s equity. You take over the $207,580 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $127,681.29 is due at closing. Uses and sources reconcile at $335,261.62 each. Not a Closing Disclosure.