Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$25,219Cash toward the purchase price.
Closing costs + prepaids$11,519Not just lender fees.
Before credits & paid funds$36,738The complete starting cash picture.
Estimated remaining funds due at closing
$36,738No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,218.51
Your down payment$25,218.51
Closing costs + prepaids$11,519.18
Total buyer cash needed$36,737.69
Remaining funds due$36,737.69
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)$907.75
Prepaid interest, first (24 days)$1,286.43
Fees + prepaids$11,519.18
Your down payment is the seller’s equity. You take over the $284,781 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $36,737.69 is due at closing. Uses and sources reconcile at $321,519.18 each. Not a Closing Disclosure.