Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$24,325Cash toward the purchase price.
Closing costs + prepaids$11,937Not just lender fees.
Before credits & paid funds$36,262The complete starting cash picture.
Estimated remaining funds due at closing
$36,262No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,325.33
Your down payment$24,325.33
Closing costs + prepaids$11,937.06
Total buyer cash needed$36,262.39
Remaining funds due$36,262.39
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)$419.00
Initial HOA (3 months)$792.00
Prepaid interest, first (27 days)$1,401.06
Fees + prepaids$11,937.06
Your down payment is the seller’s equity. You take over the $285,675 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $36,262.39 is due at closing. Uses and sources reconcile at $321,937.06 each. Not a Closing Disclosure.