35x12.50R20 is 0.35" shorter than 325/60R20, a −1.00% change in diameter, inside the 3% range most shops treat as a safe swap.
Ground clearance changes by 0.18" (half the diameter change), and the tire needs 0.18" less room above it.
325/60R20 is 0.30" wider. On the same wheel offset about half of that, 0.15", moves toward the suspension and half toward the fender.
Both fit a 20" wheel; the sidewall is 0.18" shorter on 35x12.50R20.
Details: 325/60R20 in inches · 35x12.50R20 in inches · change sizes in the calculator