Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$141,031Cash toward the purchase price.
Closing costs + prepaids$11,782Not just lender fees.
Before credits & paid funds$152,813The complete starting cash picture.
Estimated remaining funds due at closing
$152,813No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,030.72
Your down payment$141,030.72
Closing costs + prepaids$11,782.46
Total buyer cash needed$152,813.17
Remaining funds due$152,813.17
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)$1,729.75
Initial HOA (3 months)$258.99
Prepaid interest, first (25 days)$468.72
Fees + prepaids$11,782.46
Your down payment is the seller’s equity. You take over the $168,969 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $152,813.17 is due at closing. Uses and sources reconcile at $321,782.46 each. Not a Closing Disclosure.