Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$82,674Cash toward the purchase price.
Closing costs + prepaids$10,810Not just lender fees.
Before credits & paid funds$93,484The complete starting cash picture.
Estimated remaining funds due at closing
$93,484No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,673.83
Your down payment$82,673.83
Closing costs + prepaids$10,810.31
Total buyer cash needed$93,484.14
Remaining funds due$93,484.14
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)$1,308.75
Prepaid interest, first (1 days)$26.56
Fees + prepaids$10,810.31
Your down payment is the seller’s equity. You take over the $242,326 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $93,484.14 is due at closing. Uses and sources reconcile at $335,810.31 each. Not a Closing Disclosure.