Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$85,488Cash toward the purchase price.
Closing costs + prepaids$10,315Not just lender fees.
Before credits & paid funds$95,803The complete starting cash picture.
Estimated remaining funds due at closing
$95,803No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,488.20
Your down payment$85,488.20
Closing costs + prepaids$10,314.76
Total buyer cash needed$95,802.96
Remaining funds due$95,802.96
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)$816.00
Prepaid interest, first (4 days)$73.76
Fees + prepaids$10,314.76
Your down payment is the seller’s equity. You take over the $234,512 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $95,802.96 is due at closing. Uses and sources reconcile at $330,314.76 each. Not a Closing Disclosure.