Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$115,490Cash toward the purchase price.
Closing costs + prepaids$11,404Not just lender fees.
Before credits & paid funds$126,895The complete starting cash picture.
Estimated remaining funds due at closing
$126,895No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,490.22
Your down payment$115,490.22
Closing costs + prepaids$11,404.31
Total buyer cash needed$126,894.53
Remaining funds due$126,894.53
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)$1,110.50
Initial HOA (3 months)$261.00
Prepaid interest, first (24 days)$607.81
Fees + prepaids$11,404.31
Your down payment is the seller’s equity. You take over the $204,510 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $126,894.53 is due at closing. Uses and sources reconcile at $331,404.31 each. Not a Closing Disclosure.