Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$129,761Cash toward the purchase price.
Closing costs + prepaids$10,493Not just lender fees.
Before credits & paid funds$140,254The complete starting cash picture.
Estimated remaining funds due at closing
$140,254No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,760.72
Your down payment$129,760.72
Closing costs + prepaids$10,493.11
Total buyer cash needed$140,253.84
Remaining funds due$140,253.84
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)$475.25
Initial HOA (3 months)$273.00
Prepaid interest, first (19 days)$319.86
Fees + prepaids$10,493.11
Your down payment is the seller’s equity. You take over the $190,239 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $140,253.84 is due at closing. Uses and sources reconcile at $330,493.11 each. Not a Closing Disclosure.