Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$194,815Cash toward the purchase price.
Closing costs + prepaids$10,911Not just lender fees.
Before credits & paid funds$205,726The complete starting cash picture.
Estimated remaining funds due at closing
$205,726No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,814.89
Your down payment$194,814.89
Closing costs + prepaids$10,910.85
Total buyer cash needed$205,725.74
Remaining funds due$205,725.74
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)$304.00
Initial HOA (3 months)$810.00
Prepaid interest, first (26 days)$371.85
Fees + prepaids$10,910.85
Your down payment is the seller’s equity. You take over the $125,185 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $205,725.74 is due at closing. Uses and sources reconcile at $330,910.85 each. Not a Closing Disclosure.