Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$102,941Cash toward the purchase price.
Closing costs + prepaids$10,274Not just lender fees.
Before credits & paid funds$113,215The complete starting cash picture.
Estimated remaining funds due at closing
$113,215No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,940.94
Your down payment$102,940.94
Closing costs + prepaids$10,274.02
Total buyer cash needed$113,214.96
Remaining funds due$113,214.96
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)$9.00
Prepaid interest, first (1 days)$40.02
Fees + prepaids$10,274.02
Your down payment is the seller’s equity. You take over the $217,059 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $113,214.96 is due at closing. Uses and sources reconcile at $330,274.02 each. Not a Closing Disclosure.