Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$46,619Cash toward the purchase price.
Closing costs + prepaids$10,031Not just lender fees.
Before credits & paid funds$56,650The complete starting cash picture.
Estimated remaining funds due at closing
$56,650No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,618.90
Your down payment$46,618.90
Closing costs + prepaids$10,030.81
Total buyer cash needed$56,649.71
Remaining funds due$56,649.71
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)$163.75
Initial HOA (3 months)$99.00
Prepaid interest, first (20 days)$443.06
Fees + prepaids$10,030.81
Your down payment is the seller’s equity. You take over the $263,381 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $56,649.71 is due at closing. Uses and sources reconcile at $320,030.81 each. Not a Closing Disclosure.