Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$183,139Cash toward the purchase price.
Closing costs + prepaids$10,744Not just lender fees.
Before credits & paid funds$193,883The complete starting cash picture.
Estimated remaining funds due at closing
$193,883No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,138.78
Your down payment$183,138.78
Closing costs + prepaids$10,744.46
Total buyer cash needed$193,883.24
Remaining funds due$193,883.24
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)$955.00
Prepaid interest, first (27 days)$364.46
Fees + prepaids$10,744.46
Your down payment is the seller’s equity. You take over the $136,861 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $193,883.24 is due at closing. Uses and sources reconcile at $330,744.46 each. Not a Closing Disclosure.