Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$111,916Cash toward the purchase price.
Closing costs + prepaids$12,120Not just lender fees.
Before credits & paid funds$124,036The complete starting cash picture.
Estimated remaining funds due at closing
$124,036No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,915.79
Your down payment$111,915.79
Closing costs + prepaids$12,120.48
Total buyer cash needed$124,036.26
Remaining funds due$124,036.26
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)$1,335.25
Initial HOA (3 months)$750.00
Prepaid interest, first (24 days)$610.23
Fees + prepaids$12,120.48
Your down payment is the seller’s equity. You take over the $208,084 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $124,036.26 is due at closing. Uses and sources reconcile at $332,120.48 each. Not a Closing Disclosure.