Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$194,491Cash toward the purchase price.
Closing costs + prepaids$10,553Not just lender fees.
Before credits & paid funds$205,045The complete starting cash picture.
Estimated remaining funds due at closing
$205,045No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,491.23
Your down payment$194,491.23
Closing costs + prepaids$10,553.34
Total buyer cash needed$205,044.57
Remaining funds due$205,044.57
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 (1 days)$14.34
Fees + prepaids$10,553.34
Your down payment is the seller’s equity. You take over the $125,509 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $205,044.57 is due at closing. Uses and sources reconcile at $330,553.34 each. Not a Closing Disclosure.