Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$34,832Cash toward the purchase price.
Closing costs + prepaids$10,723Not just lender fees.
Before credits & paid funds$45,555The complete starting cash picture.
Estimated remaining funds due at closing
$45,555No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,831.88
Your down payment$34,831.88
Closing costs + prepaids$10,722.75
Total buyer cash needed$45,554.62
Remaining funds due$45,554.62
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)$316.25
Initial HOA (3 months)$336.00
Prepaid interest, first (27 days)$645.50
Fees + prepaids$10,722.75
Your down payment is the seller’s equity. You take over the $285,168 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $45,554.62 is due at closing. Uses and sources reconcile at $330,722.75 each. Not a Closing Disclosure.