Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$85,562Cash toward the purchase price.
Closing costs + prepaids$9,836Not just lender fees.
Before credits & paid funds$95,399The complete starting cash picture.
Estimated remaining funds due at closing
$95,399No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,562.43
Your down payment$85,562.43
Closing costs + prepaids$9,836.14
Total buyer cash needed$95,398.57
Remaining funds due$95,398.57
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)$342.25
Prepaid interest, first (1 days)$18.89
Fees + prepaids$9,836.14
Your down payment is the seller’s equity. You take over the $239,438 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $95,398.57 is due at closing. Uses and sources reconcile at $334,836.14 each. Not a Closing Disclosure.