Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$233,874Cash toward the purchase price.
Closing costs + prepaids$10,578Not just lender fees.
Before credits & paid funds$244,452The complete starting cash picture.
Estimated remaining funds due at closing
$244,452No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,873.70
Your down payment$233,873.70
Closing costs + prepaids$10,577.92
Total buyer cash needed$244,451.61
Remaining funds due$244,451.61
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)$800.00
Initial HOA (3 months)$75.00
Prepaid interest, first (26 days)$277.92
Fees + prepaids$10,577.92
Your down payment is the seller’s equity. You take over the $86,126 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $244,451.61 is due at closing. Uses and sources reconcile at $330,577.92 each. Not a Closing Disclosure.