Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$120,356Cash toward the purchase price.
Closing costs + prepaids$10,665Not just lender fees.
Before credits & paid funds$131,021The complete starting cash picture.
Estimated remaining funds due at closing
$131,021No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,355.68
Your down payment$120,355.68
Closing costs + prepaids$10,665.36
Total buyer cash needed$131,021.04
Remaining funds due$131,021.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.00
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)$847.25
Prepaid interest, first (27 days)$394.11
Fees + prepaids$10,665.36
Your down payment is the seller’s equity. You take over the $199,544 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $131,021.04 is due at closing. Uses and sources reconcile at $330,565.36 each. Not a Closing Disclosure.