Worried about a false understanding of what my monthly payment will be

First time in the sub, sorry for any weirdness with the flairing or title. My wife and I have been lugging around $12,000 in CC debt from Capital One for multiple years now. Make minimum payments, occasionally throw an odd expense or two on one of the cards if there’s room, but they’re mostly dead weight we had no way to make headway on.

Recently, I came into about $7,600. I’ve had it sitting in a high yield savings but those CCs are destroying my credit (current score is 658 and credit utilization is 103% [shoot me]) and I want to take this opportunity to start putting this debt to bed. My worry is that I’m misunderstanding what my monthly payment will be after putting this $7,600 towards the three cards we have. Right now with all three cards maxed out, we’re paying about $430/month. From everything I can find, our monthly payments after paying the $7,600 should go down to about $160.

Why am I worried? Because I budget out my households entire life like a year ahead of time. My wife is a full-time student with limited income. I know it’s important to get these balances down, but it’s also important to me to know exactly what I’m walking into after kissing $7,600 cash goodbye. I’ve included details about the cards below, if there’s anyone who is willing and able to confirm that the new payment will be around that $160 marker, that would be great.

Savor
. $5,000 balance, maxed out
. 28.24% variable interest rate
. $63.66 of total balance is cash advance, interest is same as regular card interest rate
. Looking to pay down to $1,811 balance

Quicksilver
. $4,500 balance, maxed out
. 28.21% variable interest rate
. $663.53 of total balance is cash advance, interest is same as regular card interest rate
. $39 annual membership fee (not charged again until June 2027)
. Looking to pay down to $1,680 balance

Journey
. $2,500 balance, maxed out
. 29.99% variable interest rate
. Looking to pay down to $906 balance