Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$28,436Cash toward the purchase price.
Closing costs + prepaids$10,136Not just lender fees.
Before credits & paid funds$38,572The complete starting cash picture.
Estimated remaining funds due at closing
$38,572No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,435.73
Your down payment$28,435.73
Closing costs + prepaids$10,136.11
Total buyer cash needed$38,571.85
Remaining funds due$38,571.85
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)$310.50
Initial HOA (3 months)$447.00
Prepaid interest, first (1 days)$53.61
Fees + prepaids$10,136.11
Your down payment is the seller’s equity. You take over the $281,564 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $38,571.85 is due at closing. Uses and sources reconcile at $320,136.11 each. Not a Closing Disclosure.