Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$109,663Cash toward the purchase price.
Closing costs + prepaids$10,038Not just lender fees.
Before credits & paid funds$119,701The complete starting cash picture.
Estimated remaining funds due at closing
$119,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,663.17
Your down payment$109,663.17
Closing costs + prepaids$10,038.04
Total buyer cash needed$119,701.21
Remaining funds due$119,701.21
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)$483.75
Prepaid interest, first (2 days)$79.29
Fees + prepaids$10,038.04
Your down payment is the seller’s equity. You take over the $215,337 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $119,701.21 is due at closing. Uses and sources reconcile at $335,038.04 each. Not a Closing Disclosure.