Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$21,494Cash toward the purchase price.
Closing costs + prepaids$10,129Not just lender fees.
Before credits & paid funds$31,622The complete starting cash picture.
Estimated remaining funds due at closing
$31,622No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,493.57
Your down payment$21,493.57
Closing costs + prepaids$10,128.79
Total buyer cash needed$31,622.36
Remaining funds due$31,622.36
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)$168.75
Initial HOA (3 months)$582.00
Prepaid interest, first (1 days)$53.04
Fees + prepaids$10,128.79
Your down payment is the seller’s equity. You take over the $288,506 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $31,622.36 is due at closing. Uses and sources reconcile at $320,128.79 each. Not a Closing Disclosure.