Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$61,989Cash toward the purchase price.
Closing costs + prepaids$11,086Not just lender fees.
Before credits & paid funds$73,075The complete starting cash picture.
Estimated remaining funds due at closing
$73,075No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,988.98
Your down payment$61,988.98
Closing costs + prepaids$11,086.31
Total buyer cash needed$73,075.29
Remaining funds due$73,075.29
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)$775.00
Initial HOA (3 months)$279.99
Prepaid interest, first (27 days)$706.32
Fees + prepaids$11,086.31
Your down payment is the seller’s equity. You take over the $248,011 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $73,075.29 is due at closing. Uses and sources reconcile at $321,086.31 each. Not a Closing Disclosure.