Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$34,832Cash toward the purchase price.
Closing costs + prepaids$10,818Not just lender fees.
Before credits & paid funds$45,650The complete starting cash picture.
Estimated remaining funds due at closing
$45,650No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,831.88
Your down payment$34,831.88
Closing costs + prepaids$10,818.37
Total buyer cash needed$45,650.25
Remaining funds due$45,650.25
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)$316.25
Initial HOA (3 months)$336.00
Prepaid interest, first (31 days)$741.12
Fees + prepaids$10,818.37
Your down payment is the seller’s equity. You take over the $285,168 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $45,650.25 is due at closing. Uses and sources reconcile at $330,818.37 each. Not a Closing Disclosure.