Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$140,125Cash toward the purchase price.
Closing costs + prepaids$10,237Not just lender fees.
Before credits & paid funds$150,363The complete starting cash picture.
Estimated remaining funds due at closing
$150,363No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,125.46
Your down payment$140,125.46
Closing costs + prepaids$10,237.19
Total buyer cash needed$150,362.65
Remaining funds due$150,362.65
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)$784.00
Prepaid interest, first (2 days)$28.19
Fees + prepaids$10,237.19
Your down payment is the seller’s equity. You take over the $179,875 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $150,362.65 is due at closing. Uses and sources reconcile at $330,237.19 each. Not a Closing Disclosure.