Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$13,594Cash toward the purchase price.
Closing costs + prepaids$12,025Not just lender fees.
Before credits & paid funds$25,619The complete starting cash picture.
Estimated remaining funds due at closing
$25,619No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,593.65
Your down payment$13,593.65
Closing costs + prepaids$12,025.38
Total buyer cash needed$25,619.03
Remaining funds due$25,619.03
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)$845.75
Initial HOA (3 months)$300.00
Prepaid interest, first (24 days)$1,454.63
Fees + prepaids$12,025.38
Your down payment is the seller’s equity. You take over the $306,406 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $25,619.03 is due at closing. Uses and sources reconcile at $332,025.38 each. Not a Closing Disclosure.