Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$51,004Cash toward the purchase price.
Closing costs + prepaids$10,796Not just lender fees.
Before credits & paid funds$61,801The complete starting cash picture.
Estimated remaining funds due at closing
$61,801No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,004.47
Your down payment$51,004.47
Closing costs + prepaids$10,796.29
Total buyer cash needed$61,800.76
Remaining funds due$61,800.76
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)$270.25
Prepaid interest, first (30 days)$1,101.04
Fees + prepaids$10,796.29
Your down payment is the seller’s equity. You take over the $268,996 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $61,800.76 is due at closing. Uses and sources reconcile at $330,796.29 each. Not a Closing Disclosure.