Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$260,291Cash toward the purchase price.
Closing costs + prepaids$9,846Not just lender fees.
Before credits & paid funds$270,137The complete starting cash picture.
Estimated remaining funds due at closing
$270,137No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$260,291.15
Your down payment$260,291.15
Closing costs + prepaids$9,845.81
Total buyer cash needed$270,136.96
Remaining funds due$270,136.96
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)$384.00
Prepaid interest, first (6 days)$36.81
Fees + prepaids$9,845.81
Your down payment is the seller’s equity. You take over the $59,709 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $270,136.96 is due at closing. Uses and sources reconcile at $329,845.81 each. Not a Closing Disclosure.