Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$34,482Cash toward the purchase price.
Closing costs + prepaids$11,239Not just lender fees.
Before credits & paid funds$45,721The complete starting cash picture.
Estimated remaining funds due at closing
$45,721No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,481.99
Your down payment$34,481.99
Closing costs + prepaids$11,239.27
Total buyer cash needed$45,721.26
Remaining funds due$45,721.26
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)$320.50
Prepaid interest, first (28 days)$1,493.77
Fees + prepaids$11,239.27
Your down payment is the seller’s equity. You take over the $285,518 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $45,721.26 is due at closing. Uses and sources reconcile at $331,239.27 each. Not a Closing Disclosure.