Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$114,742Cash toward the purchase price.
Closing costs + prepaids$10,266Not just lender fees.
Before credits & paid funds$125,008The complete starting cash picture.
Estimated remaining funds due at closing
$125,008No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,742.23
Your down payment$114,742.23
Closing costs + prepaids$10,265.70
Total buyer cash needed$125,007.93
Remaining funds due$125,007.93
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)$591.00
Initial HOA (3 months)$219.00
Prepaid interest, first (2 days)$30.70
Fees + prepaids$10,265.70
Your down payment is the seller’s equity. You take over the $205,258 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $125,007.93 is due at closing. Uses and sources reconcile at $330,265.70 each. Not a Closing Disclosure.