Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$219,713Cash toward the purchase price.
Closing costs + prepaids$9,824Not just lender fees.
Before credits & paid funds$229,538The complete starting cash picture.
Estimated remaining funds due at closing
$229,538No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$219,713.31
Your down payment$219,713.31
Closing costs + prepaids$9,824.24
Total buyer cash needed$229,537.55
Remaining funds due$229,537.55
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)$388.25
Prepaid interest, first (1 days)$10.99
Fees + prepaids$9,824.24
Your down payment is the seller’s equity. You take over the $100,287 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $229,537.55 is due at closing. Uses and sources reconcile at $329,824.24 each. Not a Closing Disclosure.