Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$95,338Cash toward the purchase price.
Closing costs + prepaids$10,635Not just lender fees.
Before credits & paid funds$105,973The complete starting cash picture.
Estimated remaining funds due at closing
$105,973No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,337.71
Your down payment$95,337.71
Closing costs + prepaids$10,635.24
Total buyer cash needed$105,972.95
Remaining funds due$105,972.95
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)$644.00
Initial HOA (3 months)$75.00
Prepaid interest, first (23 days)$491.24
Fees + prepaids$10,635.24
Your down payment is the seller’s equity. You take over the $224,662 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $105,972.95 is due at closing. Uses and sources reconcile at $330,635.24 each. Not a Closing Disclosure.