Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$127,439Cash toward the purchase price.
Closing costs + prepaids$9,988Not just lender fees.
Before credits & paid funds$137,426The complete starting cash picture.
Estimated remaining funds due at closing
$137,426No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,438.77
Your down payment$127,438.77
Closing costs + prepaids$9,987.60
Total buyer cash needed$137,426.37
Remaining funds due$137,426.37
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)$289.00
Initial HOA (3 months)$258.99
Prepaid interest, first (1 days)$14.61
Fees + prepaids$9,987.60
Your down payment is the seller’s equity. You take over the $192,561 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $137,426.37 is due at closing. Uses and sources reconcile at $329,987.60 each. Not a Closing Disclosure.