Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$164,871Cash toward the purchase price.
Closing costs + prepaids$10,823Not just lender fees.
Before credits & paid funds$175,694The complete starting cash picture.
Estimated remaining funds due at closing
$175,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,871.02
Your down payment$164,871.02
Closing costs + prepaids$10,823.03
Total buyer cash needed$175,694.05
Remaining funds due$175,694.05
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)$734.75
Initial HOA (3 months)$645.00
Prepaid interest, first (1 days)$18.28
Fees + prepaids$10,823.03
Your down payment is the seller’s equity. You take over the $155,129 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $175,694.05 is due at closing. Uses and sources reconcile at $330,823.03 each. Not a Closing Disclosure.