Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$69,918Cash toward the purchase price.
Closing costs + prepaids$11,078Not just lender fees.
Before credits & paid funds$80,997The complete starting cash picture.
Estimated remaining funds due at closing
$80,997No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,918.45
Your down payment$69,918.45
Closing costs + prepaids$11,078.43
Total buyer cash needed$80,996.87
Remaining funds due$80,996.87
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)$924.00
Initial HOA (3 months)$222.00
Prepaid interest, first (23 days)$507.43
Fees + prepaids$11,078.43
Your down payment is the seller’s equity. You take over the $250,082 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $80,996.87 is due at closing. Uses and sources reconcile at $331,078.43 each. Not a Closing Disclosure.