Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$279,148Cash toward the purchase price.
Closing costs + prepaids$10,459Not just lender fees.
Before credits & paid funds$289,606The complete starting cash picture.
Estimated remaining funds due at closing
$289,606No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$279,147.51
Your down payment$279,147.51
Closing costs + prepaids$10,458.94
Total buyer cash needed$289,606.45
Remaining funds due$289,606.45
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)$752.00
Initial HOA (3 months)$183.00
Prepaid interest, first (26 days)$98.94
Fees + prepaids$10,458.94
Your down payment is the seller’s equity. You take over the $40,852 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $289,606.45 is due at closing. Uses and sources reconcile at $330,458.94 each. Not a Closing Disclosure.