Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$118,150Cash toward the purchase price.
Closing costs + prepaids$10,299Not just lender fees.
Before credits & paid funds$128,449The complete starting cash picture.
Estimated remaining funds due at closing
$128,449No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,149.89
Your down payment$118,149.89
Closing costs + prepaids$10,299.34
Total buyer cash needed$128,449.22
Remaining funds due$128,449.22
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)$392.50
Prepaid interest, first (20 days)$431.84
Fees + prepaids$10,299.34
Your down payment is the seller’s equity. You take over the $206,850 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $128,449.22 is due at closing. Uses and sources reconcile at $335,299.34 each. Not a Closing Disclosure.