Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$143,068Cash toward the purchase price.
Closing costs + prepaids$10,527Not just lender fees.
Before credits & paid funds$153,595The complete starting cash picture.
Estimated remaining funds due at closing
$153,595No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,068.08
Your down payment$143,068.08
Closing costs + prepaids$10,527.24
Total buyer cash needed$153,595.32
Remaining funds due$153,595.32
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)$707.75
Prepaid interest, first (26 days)$394.49
Fees + prepaids$10,527.24
Your down payment is the seller’s equity. You take over the $176,932 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $153,595.32 is due at closing. Uses and sources reconcile at $330,527.24 each. Not a Closing Disclosure.