Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$263,388Cash toward the purchase price.
Closing costs + prepaids$9,908Not just lender fees.
Before credits & paid funds$273,296The complete starting cash picture.
Estimated remaining funds due at closing
$273,296No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,387.96
Your down payment$263,387.96
Closing costs + prepaids$9,907.73
Total buyer cash needed$273,295.70
Remaining funds due$273,295.70
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)$266.00
Initial HOA (3 months)$12.00
Prepaid interest, first (22 days)$204.73
Fees + prepaids$9,907.73
Your down payment is the seller’s equity. You take over the $56,612 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $273,295.70 is due at closing. Uses and sources reconcile at $329,907.73 each. Not a Closing Disclosure.