Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$320,231Cash toward the purchase price.
Closing costs + prepaids$10,508Not just lender fees.
Before credits & paid funds$330,739The complete starting cash picture.
Estimated remaining funds due at closing
$330,739No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$320,230.66
Your down payment$320,230.66
Closing costs + prepaids$10,508.08
Total buyer cash needed$330,738.74
Remaining funds due$330,738.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$240.00
Prepaid interest, first (31 days)$193.08
Fees + prepaids$10,508.08
Your down payment is the seller’s equity. You take over the $64,769 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $330,738.74 is due at closing. Uses and sources reconcile at $395,508.08 each. Not a Closing Disclosure.