Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$142,944Cash toward the purchase price.
Closing costs + prepaids$10,634Not just lender fees.
Before credits & paid funds$153,578The complete starting cash picture.
Estimated remaining funds due at closing
$153,578No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,944.06
Your down payment$142,944.06
Closing costs + prepaids$10,634.41
Total buyer cash needed$153,578.47
Remaining funds due$153,578.47
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)$470.25
Initial HOA (3 months)$300.00
Prepaid interest, first (31 days)$539.16
Fees + prepaids$10,634.41
Your down payment is the seller’s equity. You take over the $167,056 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $153,578.47 is due at closing. Uses and sources reconcile at $320,634.41 each. Not a Closing Disclosure.