Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$123,906Cash toward the purchase price.
Closing costs + prepaids$11,872Not just lender fees.
Before credits & paid funds$135,778The complete starting cash picture.
Estimated remaining funds due at closing
$135,778No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,906.17
Your down payment$123,906.17
Closing costs + prepaids$11,872.15
Total buyer cash needed$135,778.32
Remaining funds due$135,778.32
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)$1,807.00
Initial HOA (3 months)$162.00
Prepaid interest, first (25 days)$478.15
Fees + prepaids$11,872.15
Your down payment is the seller’s equity. You take over the $196,094 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $135,778.32 is due at closing. Uses and sources reconcile at $331,872.15 each. Not a Closing Disclosure.