Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$294,892Cash toward the purchase price.
Closing costs + prepaids$9,880Not just lender fees.
Before credits & paid funds$304,772The complete starting cash picture.
Estimated remaining funds due at closing
$304,772No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$294,892.01
Your down payment$294,892.01
Closing costs + prepaids$9,879.69
Total buyer cash needed$304,771.69
Remaining funds due$304,771.69
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)$348.75
Prepaid interest, first (28 days)$105.94
Fees + prepaids$9,879.69
Your down payment is the seller’s equity. You take over the $25,108 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $304,771.69 is due at closing. Uses and sources reconcile at $329,879.69 each. Not a Closing Disclosure.