Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$37,528Cash toward the purchase price.
Closing costs + prepaids$10,438Not just lender fees.
Before credits & paid funds$47,966The complete starting cash picture.
Estimated remaining funds due at closing
$47,966No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,528.28
Your down payment$37,528.28
Closing costs + prepaids$10,438.06
Total buyer cash needed$47,966.34
Remaining funds due$47,966.34
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)$1,058.75
Initial HOA (3 months)$11.76
Prepaid interest, first (1 days)$42.55
Fees + prepaids$10,438.06
Your down payment is the seller’s equity. You take over the $272,472 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $47,966.34 is due at closing. Uses and sources reconcile at $320,438.06 each. Not a Closing Disclosure.