Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$153,564Cash toward the purchase price.
Closing costs + prepaids$10,234Not just lender fees.
Before credits & paid funds$163,798The complete starting cash picture.
Estimated remaining funds due at closing
$163,798No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,564.36
Your down payment$153,564.36
Closing costs + prepaids$10,233.80
Total buyer cash needed$163,798.15
Remaining funds due$163,798.15
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
Prepaid interest, first (18 days)$352.55
Fees + prepaids$10,233.80
Your down payment is the seller’s equity. You take over the $171,436 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $163,798.15 is due at closing. Uses and sources reconcile at $335,233.80 each. Not a Closing Disclosure.