Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$53,349Cash toward the purchase price.
Closing costs + prepaids$11,191Not just lender fees.
Before credits & paid funds$64,541The complete starting cash picture.
Estimated remaining funds due at closing
$64,541No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,349.31
Your down payment$53,349.31
Closing costs + prepaids$11,191.34
Total buyer cash needed$64,540.66
Remaining funds due$64,540.66
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)$446.75
Prepaid interest, first (27 days)$1,319.59
Fees + prepaids$11,191.34
Your down payment is the seller’s equity. You take over the $266,651 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $64,540.66 is due at closing. Uses and sources reconcile at $331,191.34 each. Not a Closing Disclosure.