Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$17,733Cash toward the purchase price.
Closing costs + prepaids$11,463Not just lender fees.
Before credits & paid funds$29,196The complete starting cash picture.
Estimated remaining funds due at closing
$29,196No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,733.17
Your down payment$17,733.17
Closing costs + prepaids$11,463.16
Total buyer cash needed$29,196.33
Remaining funds due$29,196.33
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)$800.00
Initial HOA (3 months)$1,131.00
Prepaid interest, first (2 days)$107.16
Fees + prepaids$11,463.16
Your down payment is the seller’s equity. You take over the $302,267 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $29,196.33 is due at closing. Uses and sources reconcile at $331,463.16 each. Not a Closing Disclosure.