Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$21,835Cash toward the purchase price.
Closing costs + prepaids$9,612Not just lender fees.
Before credits & paid funds$31,446The complete starting cash picture.
Estimated remaining funds due at closing
$31,446No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,834.55
Your down payment$21,834.55
Closing costs + prepaids$9,611.59
Total buyer cash needed$31,446.14
Remaining funds due$31,446.14
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)$234.25
Prepaid interest, first (1 days)$52.34
Fees + prepaids$9,611.59
Your down payment is the seller’s equity. You take over the $288,165 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $31,446.14 is due at closing. Uses and sources reconcile at $319,611.59 each. Not a Closing Disclosure.