Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$20,909Cash toward the purchase price.
Closing costs + prepaids$10,319Not just lender fees.
Before credits & paid funds$31,227The complete starting cash picture.
Estimated remaining funds due at closing
$31,227No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,908.70
Your down payment$20,908.70
Closing costs + prepaids$10,318.63
Total buyer cash needed$31,227.33
Remaining funds due$31,227.33
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)$263.00
Prepaid interest, first (26 days)$630.63
Fees + prepaids$10,318.63
Your down payment is the seller’s equity. You take over the $299,091 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $31,227.33 is due at closing. Uses and sources reconcile at $330,318.63 each. Not a Closing Disclosure.