Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$28,725Cash toward the purchase price.
Closing costs + prepaids$11,154Not just lender fees.
Before credits & paid funds$39,878The complete starting cash picture.
Estimated remaining funds due at closing
$39,878No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,724.50
Your down payment$28,724.50
Closing costs + prepaids$11,153.66
Total buyer cash needed$39,878.16
Remaining funds due$39,878.16
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)$310.50
Initial HOA (3 months)$447.00
Prepaid interest, first (20 days)$1,071.16
Fees + prepaids$11,153.66
Your down payment is the seller’s equity. You take over the $281,275 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $39,878.16 is due at closing. Uses and sources reconcile at $321,153.66 each. Not a Closing Disclosure.