Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$89,273Cash toward the purchase price.
Closing costs + prepaids$11,858Not just lender fees.
Before credits & paid funds$101,131The complete starting cash picture.
Estimated remaining funds due at closing
$101,131No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,273.47
Your down payment$89,273.47
Closing costs + prepaids$11,857.73
Total buyer cash needed$101,131.20
Remaining funds due$101,131.20
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)$1,192.50
Prepaid interest, first (30 days)$1,240.23
Fees + prepaids$11,857.73
Your down payment is the seller’s equity. You take over the $230,727 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $101,131.20 is due at closing. Uses and sources reconcile at $331,857.73 each. Not a Closing Disclosure.