Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$5,892Cash toward the purchase price.
Closing costs + prepaids$10,372Not just lender fees.
Before credits & paid funds$16,263The complete starting cash picture.
Estimated remaining funds due at closing
$16,263No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,891.58
Your down payment$5,891.58
Closing costs + prepaids$10,371.81
Total buyer cash needed$16,263.39
Remaining funds due$16,263.39
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)$384.00
Prepaid interest, first (10 days)$562.81
Fees + prepaids$10,371.81
Your down payment is the seller’s equity. You take over the $314,108 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $16,263.39 is due at closing. Uses and sources reconcile at $330,371.81 each. Not a Closing Disclosure.