Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$101,077Cash toward the purchase price.
Closing costs + prepaids$10,794Not just lender fees.
Before credits & paid funds$111,871The complete starting cash picture.
Estimated remaining funds due at closing
$111,871No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,076.99
Your down payment$101,076.99
Closing costs + prepaids$10,793.88
Total buyer cash needed$111,870.88
Remaining funds due$111,870.88
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)$893.25
Prepaid interest, first (26 days)$475.63
Fees + prepaids$10,793.88
Your down payment is the seller’s equity. You take over the $218,923 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $111,870.88 is due at closing. Uses and sources reconcile at $330,793.88 each. Not a Closing Disclosure.