Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$48,236Cash toward the purchase price.
Closing costs + prepaids$10,310Not just lender fees.
Before credits & paid funds$58,546The complete starting cash picture.
Estimated remaining funds due at closing
$58,546No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,235.91
Your down payment$48,235.91
Closing costs + prepaids$10,310.09
Total buyer cash needed$58,546.00
Remaining funds due$58,546.00
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)$501.09
Fees + prepaids$10,310.09
Your down payment is the seller’s equity. You take over the $271,764 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $58,546.00 is due at closing. Uses and sources reconcile at $330,310.09 each. Not a Closing Disclosure.