Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$91,542Cash toward the purchase price.
Closing costs + prepaids$11,484Not just lender fees.
Before credits & paid funds$103,026The complete starting cash picture.
Estimated remaining funds due at closing
$103,026No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,542.40
Your down payment$91,542.40
Closing costs + prepaids$11,484.01
Total buyer cash needed$103,026.41
Remaining funds due$103,026.41
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)$986.75
Initial HOA (3 months)$150.00
Prepaid interest, first (28 days)$1,022.26
Fees + prepaids$11,484.01
Your down payment is the seller’s equity. You take over the $218,458 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $103,026.41 is due at closing. Uses and sources reconcile at $321,484.01 each. Not a Closing Disclosure.