Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$13,954Cash toward the purchase price.
Closing costs + prepaids$9,986Not just lender fees.
Before credits & paid funds$23,940The complete starting cash picture.
Estimated remaining funds due at closing
$23,940No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,954.42
Your down payment$13,954.42
Closing costs + prepaids$9,985.61
Total buyer cash needed$23,940.03
Remaining funds due$23,940.03
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)$537.00
Prepaid interest, first (2 days)$123.61
Fees + prepaids$9,985.61
Your down payment is the seller’s equity. You take over the $296,046 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $23,940.03 is due at closing. Uses and sources reconcile at $319,985.61 each. Not a Closing Disclosure.