Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$50,571Cash toward the purchase price.
Closing costs + prepaids$9,732Not just lender fees.
Before credits & paid funds$60,303The complete starting cash picture.
Estimated remaining funds due at closing
$60,303No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,571.20
Your down payment$50,571.20
Closing costs + prepaids$9,732.01
Total buyer cash needed$60,303.21
Remaining funds due$60,303.21
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)$270.25
Prepaid interest, first (1 days)$36.76
Fees + prepaids$9,732.01
Your down payment is the seller’s equity. You take over the $269,429 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $60,303.21 is due at closing. Uses and sources reconcile at $329,732.01 each. Not a Closing Disclosure.