Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$27,273Cash toward the purchase price.
Closing costs + prepaids$11,265Not just lender fees.
Before credits & paid funds$38,538The complete starting cash picture.
Estimated remaining funds due at closing
$38,538No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,272.95
Your down payment$27,272.95
Closing costs + prepaids$11,265.49
Total buyer cash needed$38,538.44
Remaining funds due$38,538.44
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)$218.00
Initial HOA (3 months)$396.00
Prepaid interest, first (25 days)$1,326.49
Fees + prepaids$11,265.49
Your down payment is the seller’s equity. You take over the $282,727 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $38,538.44 is due at closing. Uses and sources reconcile at $321,265.49 each. Not a Closing Disclosure.