Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$135,597Cash toward the purchase price.
Closing costs + prepaids$11,184Not just lender fees.
Before credits & paid funds$146,781The complete starting cash picture.
Estimated remaining funds due at closing
$146,781No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,597.02
Your down payment$135,597.02
Closing costs + prepaids$11,184.04
Total buyer cash needed$146,781.06
Remaining funds due$146,781.06
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)$1,168.25
Initial HOA (3 months)$50.01
Prepaid interest, first (24 days)$540.78
Fees + prepaids$11,184.04
Your down payment is the seller’s equity. You take over the $184,403 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $146,781.06 is due at closing. Uses and sources reconcile at $331,184.04 each. Not a Closing Disclosure.