Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$34,178Cash toward the purchase price.
Closing costs + prepaids$11,557Not just lender fees.
Before credits & paid funds$45,734The complete starting cash picture.
Estimated remaining funds due at closing
$45,734No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,177.66
Your down payment$34,177.66
Closing costs + prepaids$11,556.72
Total buyer cash needed$45,734.37
Remaining funds due$45,734.37
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)$892.50
Prepaid interest, first (25 days)$1,239.22
Fees + prepaids$11,556.72
Your down payment is the seller’s equity. You take over the $285,822 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $45,734.37 is due at closing. Uses and sources reconcile at $331,556.72 each. Not a Closing Disclosure.