Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$16,259Cash toward the purchase price.
Closing costs + prepaids$9,968Not just lender fees.
Before credits & paid funds$26,227The complete starting cash picture.
Estimated remaining funds due at closing
$26,227No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,259.22
Your down payment$16,259.22
Closing costs + prepaids$9,967.93
Total buyer cash needed$26,227.15
Remaining funds due$26,227.15
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)$585.00
Initial HOA (3 months)$6.75
Prepaid interest, first (1 days)$51.18
Fees + prepaids$9,967.93
Your down payment is the seller’s equity. You take over the $293,741 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $26,227.15 is due at closing. Uses and sources reconcile at $319,967.93 each. Not a Closing Disclosure.