Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$23,187Cash toward the purchase price.
Closing costs + prepaids$9,847Not just lender fees.
Before credits & paid funds$33,034The complete starting cash picture.
Estimated remaining funds due at closing
$33,034No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,186.55
Your down payment$23,186.55
Closing costs + prepaids$9,847.38
Total buyer cash needed$33,033.93
Remaining funds due$33,033.93
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 (1 days)$48.88
Fees + prepaids$9,847.38
Your down payment is the seller’s equity. You take over the $286,813 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $33,033.93 is due at closing. Uses and sources reconcile at $319,847.38 each. Not a Closing Disclosure.