Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$199,407Cash toward the purchase price.
Closing costs + prepaids$10,636Not just lender fees.
Before credits & paid funds$210,043The complete starting cash picture.
Estimated remaining funds due at closing
$210,043No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,406.86
Your down payment$199,406.86
Closing costs + prepaids$10,635.88
Total buyer cash needed$210,042.74
Remaining funds due$210,042.74
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)$831.75
Prepaid interest, first (27 days)$379.13
Fees + prepaids$10,635.88
Your down payment is the seller’s equity. You take over the $120,593 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $210,042.74 is due at closing. Uses and sources reconcile at $330,635.88 each. Not a Closing Disclosure.