Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$114,742Cash toward the purchase price.
Closing costs + prepaids$10,250Not just lender fees.
Before credits & paid funds$124,993The complete starting cash picture.
Estimated remaining funds due at closing
$124,993No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,742.23
Your down payment$114,742.23
Closing costs + prepaids$10,250.35
Total buyer cash needed$124,992.58
Remaining funds due$124,992.58
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)$591.00
Initial HOA (3 months)$219.00
Prepaid interest, first (1 days)$15.35
Fees + prepaids$10,250.35
Your down payment is the seller’s equity. You take over the $205,258 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $124,992.58 is due at closing. Uses and sources reconcile at $330,250.35 each. Not a Closing Disclosure.