Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$198,325Cash toward the purchase price.
Closing costs + prepaids$9,942Not just lender fees.
Before credits & paid funds$208,267The complete starting cash picture.
Estimated remaining funds due at closing
$208,267No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,324.84
Your down payment$198,324.84
Closing costs + prepaids$9,942.07
Total buyer cash needed$208,266.92
Remaining funds due$208,266.92
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)$184.25
Prepaid interest, first (24 days)$332.82
Fees + prepaids$9,942.07
Your down payment is the seller’s equity. You take over the $121,675 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $208,266.92 is due at closing. Uses and sources reconcile at $329,942.07 each. Not a Closing Disclosure.