Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$3,991Cash toward the purchase price.
Closing costs + prepaids$10,949Not just lender fees.
Before credits & paid funds$14,940The complete starting cash picture.
Estimated remaining funds due at closing
$14,940No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,991.17
Your down payment$3,991.17
Closing costs + prepaids$10,948.73
Total buyer cash needed$14,939.90
Remaining funds due$14,939.90
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)$1,437.50
Prepaid interest, first (2 days)$86.23
Fees + prepaids$10,948.73
Your down payment is the seller’s equity. You take over the $316,009 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $14,939.90 is due at closing. Uses and sources reconcile at $330,948.73 each. Not a Closing Disclosure.