Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$70,164Cash toward the purchase price.
Closing costs + prepaids$10,986Not just lender fees.
Before credits & paid funds$81,150The complete starting cash picture.
Estimated remaining funds due at closing
$81,150No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,164.22
Your down payment$70,164.22
Closing costs + prepaids$10,985.62
Total buyer cash needed$81,149.84
Remaining funds due$81,149.84
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)$753.00
Prepaid interest, first (27 days)$807.62
Fees + prepaids$10,985.62
Your down payment is the seller’s equity. You take over the $249,836 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $81,149.84 is due at closing. Uses and sources reconcile at $330,985.62 each. Not a Closing Disclosure.