Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$3,292Cash toward the purchase price.
Closing costs + prepaids$12,871Not just lender fees.
Before credits & paid funds$16,163The complete starting cash picture.
Estimated remaining funds due at closing
$16,163No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,291.86
Your down payment$3,291.86
Closing costs + prepaids$12,870.84
Total buyer cash needed$16,162.70
Remaining funds due$16,162.70
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)$1,270.75
Initial HOA (3 months)$582.00
Prepaid interest, first (30 days)$1,593.09
Fees + prepaids$12,870.84
Your down payment is the seller’s equity. You take over the $316,708 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $16,162.70 is due at closing. Uses and sources reconcile at $332,870.84 each. Not a Closing Disclosure.