Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$33,752Cash toward the purchase price.
Closing costs + prepaids$10,476Not just lender fees.
Before credits & paid funds$44,227The complete starting cash picture.
Estimated remaining funds due at closing
$44,227No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,751.53
Your down payment$33,751.53
Closing costs + prepaids$10,475.96
Total buyer cash needed$44,227.49
Remaining funds due$44,227.49
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)$234.96
Fees + prepaids$10,475.96
Your down payment is the seller’s equity. You take over the $286,248 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $44,227.49 is due at closing. Uses and sources reconcile at $330,475.96 each. Not a Closing Disclosure.