Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$39,109Cash toward the purchase price.
Closing costs + prepaids$11,092Not just lender fees.
Before credits & paid funds$50,201The complete starting cash picture.
Estimated remaining funds due at closing
$50,201No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,109.20
Your down payment$39,109.20
Closing costs + prepaids$11,091.59
Total buyer cash needed$50,200.79
Remaining funds due$50,200.79
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)$248.75
Prepaid interest, first (28 days)$1,417.84
Fees + prepaids$11,091.59
Your down payment is the seller’s equity. You take over the $280,891 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $50,200.79 is due at closing. Uses and sources reconcile at $331,091.59 each. Not a Closing Disclosure.