Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$165,263Cash toward the purchase price.
Closing costs + prepaids$11,224Not just lender fees.
Before credits & paid funds$176,487The complete starting cash picture.
Estimated remaining funds due at closing
$176,487No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,262.66
Your down payment$165,262.66
Closing costs + prepaids$11,224.02
Total buyer cash needed$176,486.69
Remaining funds due$176,486.69
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)$734.75
Initial HOA (3 months)$645.00
Prepaid interest, first (23 days)$419.27
Fees + prepaids$11,224.02
Your down payment is the seller’s equity. You take over the $154,737 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $176,486.69 is due at closing. Uses and sources reconcile at $331,224.02 each. Not a Closing Disclosure.