Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$108,055Cash toward the purchase price.
Closing costs + prepaids$10,402Not just lender fees.
Before credits & paid funds$118,457The complete starting cash picture.
Estimated remaining funds due at closing
$118,457No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,054.65
Your down payment$108,054.65
Closing costs + prepaids$10,401.99
Total buyer cash needed$118,456.64
Remaining funds due$118,456.64
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)$934.25
Prepaid interest, first (2 days)$42.74
Fees + prepaids$10,401.99
Your down payment is the seller’s equity. You take over the $211,945 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $118,456.64 is due at closing. Uses and sources reconcile at $330,401.99 each. Not a Closing Disclosure.