Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$76,457Cash toward the purchase price.
Closing costs + prepaids$10,933Not just lender fees.
Before credits & paid funds$87,391The complete starting cash picture.
Estimated remaining funds due at closing
$87,391No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,457.46
Your down payment$76,457.46
Closing costs + prepaids$10,933.49
Total buyer cash needed$87,390.95
Remaining funds due$87,390.95
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)$164.00
Prepaid interest, first (31 days)$1,344.49
Fees + prepaids$10,933.49
Your down payment is the seller’s equity. You take over the $243,543 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $87,390.95 is due at closing. Uses and sources reconcile at $330,933.49 each. Not a Closing Disclosure.