Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$148,756Cash toward the purchase price.
Closing costs + prepaids$9,761Not just lender fees.
Before credits & paid funds$158,517The complete starting cash picture.
Estimated remaining funds due at closing
$158,517No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,755.94
Your down payment$148,755.94
Closing costs + prepaids$9,761.02
Total buyer cash needed$158,516.96
Remaining funds due$158,516.96
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)$250.00
Prepaid interest, first (2 days)$36.02
Fees + prepaids$9,761.02
Your down payment is the seller’s equity. You take over the $176,244 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $158,516.96 is due at closing. Uses and sources reconcile at $334,761.02 each. Not a Closing Disclosure.