Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$6,394Cash toward the purchase price.
Closing costs + prepaids$10,565Not just lender fees.
Before credits & paid funds$16,959The complete starting cash picture.
Estimated remaining funds due at closing
$16,959No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,393.70
Your down payment$6,393.70
Closing costs + prepaids$10,564.98
Total buyer cash needed$16,958.69
Remaining funds due$16,958.69
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
Initial HOA (3 months)$225.00
Prepaid interest, first (10 days)$530.98
Fees + prepaids$10,564.98
Your down payment is the seller’s equity. You take over the $313,606 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $16,958.69 is due at closing. Uses and sources reconcile at $330,564.98 each. Not a Closing Disclosure.