Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$19,516Cash toward the purchase price.
Closing costs + prepaids$10,631Not just lender fees.
Before credits & paid funds$30,148The complete starting cash picture.
Estimated remaining funds due at closing
$30,148No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,516.15
Your down payment$19,516.15
Closing costs + prepaids$10,631.42
Total buyer cash needed$30,147.57
Remaining funds due$30,147.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,109.00
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)$280.25
Initial HOA (3 months)$249.99
Prepaid interest, first (31 days)$767.18
Fees + prepaids$10,631.42
Your down payment is the seller’s equity. You take over the $291,384 balance, so the rest of the $310,900 price is paid at closing. A second mortgage can cover part of it. $30,147.57 is due at closing. Uses and sources reconcile at $321,531.42 each. Not a Closing Disclosure.