Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$21,815Cash toward the purchase price.
Closing costs + prepaids$11,135Not just lender fees.
Before credits & paid funds$32,950The complete starting cash picture.
Estimated remaining funds due at closing
$32,950No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,814.77
Your down payment$21,814.77
Closing costs + prepaids$11,135.32
Total buyer cash needed$32,950.10
Remaining funds due$32,950.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,100.00
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)$168.75
Initial HOA (3 months)$582.00
Prepaid interest, first (20 days)$1,059.57
Fees + prepaids$11,135.32
Your down payment is the seller’s equity. You take over the $288,185 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $32,950.10 is due at closing. Uses and sources reconcile at $321,135.32 each. Not a Closing Disclosure.