Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$179,330Cash toward the purchase price.
Closing costs + prepaids$9,565Not just lender fees.
Before credits & paid funds$188,895The complete starting cash picture.
Estimated remaining funds due at closing
$188,895No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,330.16
Your down payment$179,330.16
Closing costs + prepaids$9,565.09
Total buyer cash needed$188,895.26
Remaining funds due$188,895.26
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)$122.25
Prepaid interest, first (1 days)$17.84
Fees + prepaids$9,565.09
Your down payment is the seller’s equity. You take over the $140,670 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $188,895.26 is due at closing. Uses and sources reconcile at $329,565.09 each. Not a Closing Disclosure.