Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$212,969Cash toward the purchase price.
Closing costs + prepaids$10,506Not just lender fees.
Before credits & paid funds$223,475The complete starting cash picture.
Estimated remaining funds due at closing
$223,475No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,968.91
Your down payment$212,968.91
Closing costs + prepaids$10,505.95
Total buyer cash needed$223,474.85
Remaining funds due$223,474.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,200.00
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)$721.00
Initial HOA (3 months)$5.25
Prepaid interest, first (28 days)$354.70
Fees + prepaids$10,505.95
Your down payment is the seller’s equity. You take over the $107,031 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $223,474.85 is due at closing. Uses and sources reconcile at $330,505.95 each. Not a Closing Disclosure.