Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$143,650Cash toward the purchase price.
Closing costs + prepaids$9,803Not just lender fees.
Before credits & paid funds$153,453The complete starting cash picture.
Estimated remaining funds due at closing
$153,453No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,649.68
Your down payment$143,649.68
Closing costs + prepaids$9,803.38
Total buyer cash needed$153,453.06
Remaining funds due$153,453.06
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)$304.75
Prepaid interest, first (2 days)$73.63
Fees + prepaids$9,803.38
Your down payment is the seller’s equity. You take over the $176,350 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $153,453.06 is due at closing. Uses and sources reconcile at $329,803.38 each. Not a Closing Disclosure.