Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$255,669Cash toward the purchase price.
Closing costs + prepaids$11,492Not just lender fees.
Before credits & paid funds$267,161The complete starting cash picture.
Estimated remaining funds due at closing
$267,161No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$255,669.24
Your down payment$255,669.24
Closing costs + prepaids$11,492.06
Total buyer cash needed$267,161.30
Remaining funds due$267,161.30
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)$448.25
Initial HOA (3 months)$1,500.00
Prepaid interest, first (28 days)$218.81
Fees + prepaids$11,492.06
Your down payment is the seller’s equity. You take over the $54,331 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $267,161.30 is due at closing. Uses and sources reconcile at $321,492.06 each. Not a Closing Disclosure.