Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$154,022Cash toward the purchase price.
Closing costs + prepaids$10,774Not just lender fees.
Before credits & paid funds$164,796The complete starting cash picture.
Estimated remaining funds due at closing
$164,796No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,022.09
Your down payment$154,022.09
Closing costs + prepaids$10,774.33
Total buyer cash needed$164,796.42
Remaining funds due$164,796.42
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)$777.00
Prepaid interest, first (31 days)$572.33
Fees + prepaids$10,774.33
Your down payment is the seller’s equity. You take over the $165,978 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $164,796.42 is due at closing. Uses and sources reconcile at $330,774.33 each. Not a Closing Disclosure.