Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$70,694Cash toward the purchase price.
Closing costs + prepaids$11,562Not just lender fees.
Before credits & paid funds$82,255The complete starting cash picture.
Estimated remaining funds due at closing
$82,255No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,693.85
Your down payment$70,693.85
Closing costs + prepaids$11,561.61
Total buyer cash needed$82,255.45
Remaining funds due$82,255.45
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)$1,638.50
Initial HOA (3 months)$129.00
Prepaid interest, first (27 days)$469.11
Fees + prepaids$11,561.61
Your down payment is the seller’s equity. You take over the $239,306 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $82,255.45 is due at closing. Uses and sources reconcile at $321,561.61 each. Not a Closing Disclosure.