Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$168,156Cash toward the purchase price.
Closing costs + prepaids$10,629Not just lender fees.
Before credits & paid funds$178,784The complete starting cash picture.
Estimated remaining funds due at closing
$178,784No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,155.83
Your down payment$168,155.83
Closing costs + prepaids$10,628.60
Total buyer cash needed$178,784.43
Remaining funds due$178,784.43
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)$779.75
Prepaid interest, first (30 days)$373.85
Fees + prepaids$10,628.60
Your down payment is the seller’s equity. You take over the $156,844 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $178,784.43 is due at closing. Uses and sources reconcile at $335,628.60 each. Not a Closing Disclosure.