Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$320,386Cash toward the purchase price.
Closing costs + prepaids$11,461Not just lender fees.
Before credits & paid funds$331,847The complete starting cash picture.
Estimated remaining funds due at closing
$331,847No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$320,385.80
Your down payment$320,385.80
Closing costs + prepaids$11,461.01
Total buyer cash needed$331,846.81
Remaining funds due$331,846.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,290.00
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)$1,876.00
Initial HOA (3 months)$51.24
Prepaid interest, first (28 days)$18.77
Fees + prepaids$11,461.01
Your down payment is the seller’s equity. You take over the $8,614 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $331,846.81 is due at closing. Uses and sources reconcile at $340,461.01 each. Not a Closing Disclosure.