Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$14,526Cash toward the purchase price.
Closing costs + prepaids$11,174Not just lender fees.
Before credits & paid funds$25,700The complete starting cash picture.
Estimated remaining funds due at closing
$25,700No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,526.13
Your down payment$14,526.13
Closing costs + prepaids$11,174.37
Total buyer cash needed$25,700.50
Remaining funds due$25,700.50
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)$223.75
Initial HOA (3 months)$525.00
Prepaid interest, first (22 days)$1,100.62
Fees + prepaids$11,174.37
Your down payment is the seller’s equity. You take over the $295,474 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $25,700.50 is due at closing. Uses and sources reconcile at $321,174.37 each. Not a Closing Disclosure.