Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$35,703Cash toward the purchase price.
Closing costs + prepaids$11,237Not just lender fees.
Before credits & paid funds$46,941The complete starting cash picture.
Estimated remaining funds due at closing
$46,941No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,703.47
Your down payment$35,703.47
Closing costs + prepaids$11,237.10
Total buyer cash needed$46,940.57
Remaining funds due$46,940.57
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)$116.75
Initial HOA (3 months)$570.00
Prepaid interest, first (21 days)$1,125.35
Fees + prepaids$11,237.10
Your down payment is the seller’s equity. You take over the $284,297 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $46,940.57 is due at closing. Uses and sources reconcile at $331,237.10 each. Not a Closing Disclosure.