Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$129,694Cash toward the purchase price.
Closing costs + prepaids$11,103Not just lender fees.
Before credits & paid funds$140,797The complete starting cash picture.
Estimated remaining funds due at closing
$140,797No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,694.42
Your down payment$129,694.42
Closing costs + prepaids$11,102.92
Total buyer cash needed$140,797.34
Remaining funds due$140,797.34
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)$322.25
Initial HOA (3 months)$870.00
Prepaid interest, first (27 days)$485.67
Fees + prepaids$11,102.92
Your down payment is the seller’s equity. You take over the $190,306 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $140,797.34 is due at closing. Uses and sources reconcile at $331,102.92 each. Not a Closing Disclosure.