Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$23,478Cash toward the purchase price.
Closing costs + prepaids$11,312Not just lender fees.
Before credits & paid funds$34,790The complete starting cash picture.
Estimated remaining funds due at closing
$34,790No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,477.64
Your down payment$23,477.64
Closing costs + prepaids$11,312.12
Total buyer cash needed$34,789.76
Remaining funds due$34,789.76
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)$473.50
Prepaid interest, first (31 days)$1,513.62
Fees + prepaids$11,312.12
Your down payment is the seller’s equity. You take over the $286,522 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $34,789.76 is due at closing. Uses and sources reconcile at $321,312.12 each. Not a Closing Disclosure.