Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$12,412Cash toward the purchase price.
Closing costs + prepaids$11,266Not just lender fees.
Before credits & paid funds$23,677The complete starting cash picture.
Estimated remaining funds due at closing
$23,677No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,411.67
Your down payment$12,411.67
Closing costs + prepaids$11,265.66
Total buyer cash needed$23,677.33
Remaining funds due$23,677.33
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)$1,062.00
Prepaid interest, first (30 days)$778.66
Fees + prepaids$11,265.66
Your down payment is the seller’s equity. You take over the $307,588 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $23,677.33 is due at closing. Uses and sources reconcile at $331,265.66 each. Not a Closing Disclosure.