Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$127,904Cash toward the purchase price.
Closing costs + prepaids$10,425Not just lender fees.
Before credits & paid funds$138,329The complete starting cash picture.
Estimated remaining funds due at closing
$138,329No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,903.67
Your down payment$127,903.67
Closing costs + prepaids$10,424.92
Total buyer cash needed$138,328.59
Remaining funds due$138,328.59
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)$289.00
Initial HOA (3 months)$258.99
Prepaid interest, first (31 days)$451.93
Fees + prepaids$10,424.92
Your down payment is the seller’s equity. You take over the $192,096 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $138,328.59 is due at closing. Uses and sources reconcile at $330,424.92 each. Not a Closing Disclosure.