Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$147,302Cash toward the purchase price.
Closing costs + prepaids$10,360Not just lender fees.
Before credits & paid funds$157,663The complete starting cash picture.
Estimated remaining funds due at closing
$157,663No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,302.39
Your down payment$147,302.39
Closing costs + prepaids$10,360.47
Total buyer cash needed$157,662.87
Remaining funds due$157,662.87
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)$578.25
Prepaid interest, first (25 days)$357.22
Fees + prepaids$10,360.47
Your down payment is the seller’s equity. You take over the $172,698 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $157,662.87 is due at closing. Uses and sources reconcile at $330,360.47 each. Not a Closing Disclosure.