Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$260,105Cash toward the purchase price.
Closing costs + prepaids$9,720Not just lender fees.
Before credits & paid funds$269,825The complete starting cash picture.
Estimated remaining funds due at closing
$269,825No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$260,104.96
Your down payment$260,104.96
Closing costs + prepaids$9,719.90
Total buyer cash needed$269,824.87
Remaining funds due$269,824.87
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)$288.75
Prepaid interest, first (1 days)$6.15
Fees + prepaids$9,719.90
Your down payment is the seller’s equity. You take over the $59,895 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $269,824.87 is due at closing. Uses and sources reconcile at $329,719.90 each. Not a Closing Disclosure.