Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$320,231Cash toward the purchase price.
Closing costs + prepaids$10,599Not just lender fees.
Before credits & paid funds$330,830The complete starting cash picture.
Estimated remaining funds due at closing
$330,830No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$320,230.66
Your down payment$320,230.66
Closing costs + prepaids$10,599.29
Total buyer cash needed$330,829.94
Remaining funds due$330,829.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$462.00
Prepaid interest, first (10 days)$62.29
Fees + prepaids$10,599.29
Your down payment is the seller’s equity. You take over the $64,769 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $330,829.94 is due at closing. Uses and sources reconcile at $395,599.29 each. Not a Closing Disclosure.