Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$5,880Cash toward the purchase price.
Closing costs + prepaids$9,982Not just lender fees.
Before credits & paid funds$15,862The complete starting cash picture.
Estimated remaining funds due at closing
$15,862No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,880.08
Your down payment$5,880.08
Closing costs + prepaids$9,981.98
Total buyer cash needed$15,862.06
Remaining funds due$15,862.06
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)$218.00
Initial HOA (3 months)$330.00
Prepaid interest, first (2 days)$108.98
Fees + prepaids$9,981.98
Your down payment is the seller’s equity. You take over the $304,120 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $15,862.06 is due at closing. Uses and sources reconcile at $319,981.98 each. Not a Closing Disclosure.