Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$33,217Cash toward the purchase price.
Closing costs + prepaids$10,774Not just lender fees.
Before credits & paid funds$43,992The complete starting cash picture.
Estimated remaining funds due at closing
$43,992No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,217.37
Your down payment$33,217.37
Closing costs + prepaids$10,774.15
Total buyer cash needed$43,991.52
Remaining funds due$43,991.52
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)$1,086.25
Initial HOA (3 months)$156.99
Prepaid interest, first (2 days)$105.91
Fees + prepaids$10,774.15
Your down payment is the seller’s equity. You take over the $286,783 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $43,991.52 is due at closing. Uses and sources reconcile at $330,774.15 each. Not a Closing Disclosure.