Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$134,846Cash toward the purchase price.
Closing costs + prepaids$10,158Not just lender fees.
Before credits & paid funds$145,004The complete starting cash picture.
Estimated remaining funds due at closing
$145,004No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,845.57
Your down payment$134,845.57
Closing costs + prepaids$10,158.17
Total buyer cash needed$145,003.74
Remaining funds due$145,003.74
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)$210.25
Initial HOA (3 months)$168.00
Prepaid interest, first (30 days)$454.92
Fees + prepaids$10,158.17
Your down payment is the seller’s equity. You take over the $175,154 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $145,003.74 is due at closing. Uses and sources reconcile at $320,158.17 each. Not a Closing Disclosure.