Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$45,563Cash toward the purchase price.
Closing costs + prepaids$11,508Not just lender fees.
Before credits & paid funds$57,071The complete starting cash picture.
Estimated remaining funds due at closing
$57,071No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,562.88
Your down payment$45,562.88
Closing costs + prepaids$11,508.34
Total buyer cash needed$57,071.22
Remaining funds due$57,071.22
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)$168.50
Initial HOA (3 months)$555.00
Prepaid interest, first (31 days)$1,459.84
Fees + prepaids$11,508.34
Your down payment is the seller’s equity. You take over the $264,437 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $57,071.22 is due at closing. Uses and sources reconcile at $321,508.34 each. Not a Closing Disclosure.