Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$210,498Cash toward the purchase price.
Closing costs + prepaids$10,228Not just lender fees.
Before credits & paid funds$220,726The complete starting cash picture.
Estimated remaining funds due at closing
$220,726No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,498.20
Your down payment$210,498.20
Closing costs + prepaids$10,228.10
Total buyer cash needed$220,726.30
Remaining funds due$220,726.30
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
Initial HOA (3 months)$330.00
Prepaid interest, first (10 days)$89.10
Fees + prepaids$10,228.10
Your down payment is the seller’s equity. You take over the $109,502 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $220,726.30 is due at closing. Uses and sources reconcile at $330,228.10 each. Not a Closing Disclosure.