Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$122,854Cash toward the purchase price.
Closing costs + prepaids$10,836Not just lender fees.
Before credits & paid funds$133,691The complete starting cash picture.
Estimated remaining funds due at closing
$133,691No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,854.45
Your down payment$122,854.45
Closing costs + prepaids$10,836.37
Total buyer cash needed$133,690.82
Remaining funds due$133,690.82
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)$390.00
Initial HOA (3 months)$771.99
Prepaid interest, first (9 days)$199.38
Fees + prepaids$10,836.37
Your down payment is the seller’s equity. You take over the $202,146 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $133,690.82 is due at closing. Uses and sources reconcile at $335,836.37 each. Not a Closing Disclosure.