Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$33,674Cash toward the purchase price.
Closing costs + prepaids$12,299Not just lender fees.
Before credits & paid funds$45,973The complete starting cash picture.
Estimated remaining funds due at closing
$45,973No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,673.93
Your down payment$33,673.93
Closing costs + prepaids$12,299.13
Total buyer cash needed$45,973.05
Remaining funds due$45,973.05
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)$1,144.00
Initial HOA (3 months)$288.00
Prepaid interest, first (30 days)$1,542.13
Fees + prepaids$12,299.13
Your down payment is the seller’s equity. You take over the $276,326 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $45,973.05 is due at closing. Uses and sources reconcile at $322,299.13 each. Not a Closing Disclosure.