Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$159,800Cash toward the purchase price.
Closing costs + prepaids$10,507Not just lender fees.
Before credits & paid funds$170,308The complete starting cash picture.
Estimated remaining funds due at closing
$170,308No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,800.33
Your down payment$159,800.33
Closing costs + prepaids$10,507.37
Total buyer cash needed$170,307.70
Remaining funds due$170,307.70
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)$382.75
Initial HOA (3 months)$201.00
Prepaid interest, first (21 days)$448.62
Fees + prepaids$10,507.37
Your down payment is the seller’s equity. You take over the $165,200 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $170,307.70 is due at closing. Uses and sources reconcile at $335,507.37 each. Not a Closing Disclosure.