Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$294,892Cash toward the purchase price.
Closing costs + prepaids$9,853Not just lender fees.
Before credits & paid funds$304,745The complete starting cash picture.
Estimated remaining funds due at closing
$304,745No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$294,892.01
Your down payment$294,892.01
Closing costs + prepaids$9,853.20
Total buyer cash needed$304,745.21
Remaining funds due$304,745.21
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)$348.75
Prepaid interest, first (21 days)$79.45
Fees + prepaids$9,853.20
Your down payment is the seller’s equity. You take over the $25,108 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $304,745.21 is due at closing. Uses and sources reconcile at $329,853.20 each. Not a Closing Disclosure.