Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$102,581Cash toward the purchase price.
Closing costs + prepaids$11,707Not just lender fees.
Before credits & paid funds$114,288The complete starting cash picture.
Estimated remaining funds due at closing
$114,288No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,580.72
Your down payment$102,580.72
Closing costs + prepaids$11,707.41
Total buyer cash needed$114,288.13
Remaining funds due$114,288.13
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)$516.25
Initial HOA (3 months)$1,350.00
Prepaid interest, first (31 days)$516.16
Fees + prepaids$11,707.41
Your down payment is the seller’s equity. You take over the $207,419 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $114,288.13 is due at closing. Uses and sources reconcile at $321,707.41 each. Not a Closing Disclosure.