Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$30,051Cash toward the purchase price.
Closing costs + prepaids$12,405Not just lender fees.
Before credits & paid funds$42,456The complete starting cash picture.
Estimated remaining funds due at closing
$42,456No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,051.31
Your down payment$30,051.31
Closing costs + prepaids$12,405.09
Total buyer cash needed$42,456.40
Remaining funds due$42,456.40
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)$1,819.00
Initial HOA (3 months)$21.00
Prepaid interest, first (26 days)$1,140.09
Fees + prepaids$12,405.09
Your down payment is the seller’s equity. You take over the $289,949 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $42,456.40 is due at closing. Uses and sources reconcile at $332,405.09 each. Not a Closing Disclosure.