Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$148,173Cash toward the purchase price.
Closing costs + prepaids$10,110Not just lender fees.
Before credits & paid funds$158,283The complete starting cash picture.
Estimated remaining funds due at closing
$158,283No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,172.85
Your down payment$148,172.85
Closing costs + prepaids$10,109.65
Total buyer cash needed$158,282.51
Remaining funds due$158,282.51
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)$187.50
Prepaid interest, first (26 days)$447.15
Fees + prepaids$10,109.65
Your down payment is the seller’s equity. You take over the $176,827 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $158,282.51 is due at closing. Uses and sources reconcile at $335,109.65 each. Not a Closing Disclosure.