Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$115,812Cash toward the purchase price.
Closing costs + prepaids$10,770Not just lender fees.
Before credits & paid funds$126,581The complete starting cash picture.
Estimated remaining funds due at closing
$126,581No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,811.65
Your down payment$115,811.65
Closing costs + prepaids$10,769.58
Total buyer cash needed$126,581.22
Remaining funds due$126,581.22
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)$959.25
Prepaid interest, first (24 days)$385.33
Fees + prepaids$10,769.58
Your down payment is the seller’s equity. You take over the $204,188 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $126,581.22 is due at closing. Uses and sources reconcile at $330,769.58 each. Not a Closing Disclosure.