Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$78,700Cash toward the purchase price.
Closing costs + prepaids$11,716Not just lender fees.
Before credits & paid funds$90,416The complete starting cash picture.
Estimated remaining funds due at closing
$90,416No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,699.75
Your down payment$78,699.75
Closing costs + prepaids$11,715.94
Total buyer cash needed$90,415.69
Remaining funds due$90,415.69
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)$1,573.25
Prepaid interest, first (23 days)$717.69
Fees + prepaids$11,715.94
Your down payment is the seller’s equity. You take over the $241,300 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $90,415.69 is due at closing. Uses and sources reconcile at $331,715.94 each. Not a Closing Disclosure.