Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$220,025Cash toward the purchase price.
Closing costs + prepaids$9,919Not just lender fees.
Before credits & paid funds$229,944The complete starting cash picture.
Estimated remaining funds due at closing
$229,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,024.98
Your down payment$220,024.98
Closing costs + prepaids$9,918.56
Total buyer cash needed$229,943.54
Remaining funds due$229,943.54
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)$384.00
Prepaid interest, first (10 days)$109.56
Fees + prepaids$9,918.56
Your down payment is the seller’s equity. You take over the $99,975 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $229,943.54 is due at closing. Uses and sources reconcile at $329,918.56 each. Not a Closing Disclosure.