Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$4,211Cash toward the purchase price.
Closing costs + prepaids$10,825Not just lender fees.
Before credits & paid funds$15,036The complete starting cash picture.
Estimated remaining funds due at closing
$15,036No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,211.04
Your down payment$4,211.04
Closing costs + prepaids$10,824.94
Total buyer cash needed$15,035.98
Remaining funds due$15,035.98
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)$372.25
Initial HOA (3 months)$384.00
Prepaid interest, first (24 days)$643.69
Fees + prepaids$10,824.94
Your down payment is the seller’s equity. You take over the $315,789 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $15,035.98 is due at closing. Uses and sources reconcile at $330,824.94 each. Not a Closing Disclosure.