Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$153,685Cash toward the purchase price.
Closing costs + prepaids$12,330Not just lender fees.
Before credits & paid funds$166,015The complete starting cash picture.
Estimated remaining funds due at closing
$166,015No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,684.74
Your down payment$153,684.74
Closing costs + prepaids$12,330.34
Total buyer cash needed$166,015.08
Remaining funds due$166,015.08
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)$2,431.00
Prepaid interest, first (30 days)$474.34
Fees + prepaids$12,330.34
Your down payment is the seller’s equity. You take over the $166,315 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $166,015.08 is due at closing. Uses and sources reconcile at $332,330.34 each. Not a Closing Disclosure.