Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$127,249Cash toward the purchase price.
Closing costs + prepaids$11,907Not just lender fees.
Before credits & paid funds$139,156The complete starting cash picture.
Estimated remaining funds due at closing
$139,156No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,248.61
Your down payment$127,248.61
Closing costs + prepaids$11,907.45
Total buyer cash needed$139,156.05
Remaining funds due$139,156.05
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)$2,064.25
Initial HOA (3 months)$37.50
Prepaid interest, first (27 days)$380.70
Fees + prepaids$11,907.45
Your down payment is the seller’s equity. You take over the $192,751 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $139,156.05 is due at closing. Uses and sources reconcile at $331,907.45 each. Not a Closing Disclosure.