Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$248,908Cash toward the purchase price.
Closing costs + prepaids$10,453Not just lender fees.
Before credits & paid funds$259,362The complete starting cash picture.
Estimated remaining funds due at closing
$259,362No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$248,908.46
Your down payment$248,908.46
Closing costs + prepaids$10,453.42
Total buyer cash needed$259,361.88
Remaining funds due$259,361.88
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)$735.50
Prepaid interest, first (27 days)$292.92
Fees + prepaids$10,453.42
Your down payment is the seller’s equity. You take over the $71,092 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $259,361.88 is due at closing. Uses and sources reconcile at $330,453.42 each. Not a Closing Disclosure.