Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$47,818Cash toward the purchase price.
Closing costs + prepaids$9,791Not just lender fees.
Before credits & paid funds$57,610The complete starting cash picture.
Estimated remaining funds due at closing
$57,610No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,818.29
Your down payment$47,818.29
Closing costs + prepaids$9,791.44
Total buyer cash needed$57,609.73
Remaining funds due$57,609.73
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
Prepaid interest, first (1 days)$50.19
Fees + prepaids$9,791.44
Your down payment is the seller’s equity. You take over the $272,182 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $57,609.73 is due at closing. Uses and sources reconcile at $329,791.44 each. Not a Closing Disclosure.