Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$123,200Cash toward the purchase price.
Closing costs + prepaids$10,594Not just lender fees.
Before credits & paid funds$133,794The complete starting cash picture.
Estimated remaining funds due at closing
$133,794No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,199.99
Your down payment$123,199.99
Closing costs + prepaids$10,593.63
Total buyer cash needed$133,793.62
Remaining funds due$133,793.62
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)$272.25
Prepaid interest, first (25 days)$896.38
Fees + prepaids$10,593.63
Your down payment is the seller’s equity. You take over the $196,800 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $133,793.62 is due at closing. Uses and sources reconcile at $330,593.63 each. Not a Closing Disclosure.