Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$91,888Cash toward the purchase price.
Closing costs + prepaids$10,512Not just lender fees.
Before credits & paid funds$102,399The complete starting cash picture.
Estimated remaining funds due at closing
$102,399No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,887.64
Your down payment$91,887.64
Closing costs + prepaids$10,511.73
Total buyer cash needed$102,399.37
Remaining funds due$102,399.37
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)$397.75
Prepaid interest, first (29 days)$638.98
Fees + prepaids$10,511.73
Your down payment is the seller’s equity. You take over the $233,112 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $102,399.37 is due at closing. Uses and sources reconcile at $335,511.73 each. Not a Closing Disclosure.