Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$17,511Cash toward the purchase price.
Closing costs + prepaids$12,250Not just lender fees.
Before credits & paid funds$29,761The complete starting cash picture.
Estimated remaining funds due at closing
$29,761No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,511.38
Your down payment$17,511.38
Closing costs + prepaids$12,249.55
Total buyer cash needed$29,760.94
Remaining funds due$29,760.94
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)$1,673.75
Initial HOA (3 months)$27.00
Prepaid interest, first (23 days)$1,223.80
Fees + prepaids$12,249.55
Your down payment is the seller’s equity. You take over the $292,489 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $29,760.94 is due at closing. Uses and sources reconcile at $322,249.55 each. Not a Closing Disclosure.