Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$181,174Cash toward the purchase price.
Closing costs + prepaids$10,033Not just lender fees.
Before credits & paid funds$191,207The complete starting cash picture.
Estimated remaining funds due at closing
$191,207No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,174.44
Your down payment$181,174.44
Closing costs + prepaids$10,032.51
Total buyer cash needed$191,206.95
Remaining funds due$191,206.95
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)$225.25
Prepaid interest, first (31 days)$332.26
Fees + prepaids$10,032.51
Your down payment is the seller’s equity. You take over the $143,826 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $191,206.95 is due at closing. Uses and sources reconcile at $335,032.51 each. Not a Closing Disclosure.