Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$105,515Cash toward the purchase price.
Closing costs + prepaids$11,144Not just lender fees.
Before credits & paid funds$116,659The complete starting cash picture.
Estimated remaining funds due at closing
$116,659No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,515.36
Your down payment$105,515.36
Closing costs + prepaids$11,144.12
Total buyer cash needed$116,659.48
Remaining funds due$116,659.48
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)$1,308.25
Prepaid interest, first (23 days)$410.87
Fees + prepaids$11,144.12
Your down payment is the seller’s equity. You take over the $214,485 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $116,659.48 is due at closing. Uses and sources reconcile at $331,144.12 each. Not a Closing Disclosure.