Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$18,261Cash toward the purchase price.
Closing costs + prepaids$12,097Not just lender fees.
Before credits & paid funds$30,359The complete starting cash picture.
Estimated remaining funds due at closing
$30,359No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,261.36
Your down payment$18,261.36
Closing costs + prepaids$12,097.40
Total buyer cash needed$30,358.76
Remaining funds due$30,358.76
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)$827.25
Prepaid interest, first (31 days)$1,845.15
Fees + prepaids$12,097.40
Your down payment is the seller’s equity. You take over the $301,739 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $30,358.76 is due at closing. Uses and sources reconcile at $332,097.40 each. Not a Closing Disclosure.