Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$17,198Cash toward the purchase price.
Closing costs + prepaids$11,132Not just lender fees.
Before credits & paid funds$28,331The complete starting cash picture.
Estimated remaining funds due at closing
$28,331No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,198.48
Your down payment$17,198.48
Closing costs + prepaids$11,132.28
Total buyer cash needed$28,330.76
Remaining funds due$28,330.76
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)$1,673.75
Initial HOA (3 months)$27.00
Prepaid interest, first (2 days)$106.53
Fees + prepaids$11,132.28
Your down payment is the seller’s equity. You take over the $292,802 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $28,330.76 is due at closing. Uses and sources reconcile at $321,132.28 each. Not a Closing Disclosure.