Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$45,308Cash toward the purchase price.
Closing costs + prepaids$10,096Not just lender fees.
Before credits & paid funds$55,404The complete starting cash picture.
Estimated remaining funds due at closing
$55,404No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,307.96
Your down payment$45,307.96
Closing costs + prepaids$10,095.64
Total buyer cash needed$55,403.59
Remaining funds due$55,403.59
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)$168.50
Initial HOA (3 months)$555.00
Prepaid interest, first (1 days)$47.14
Fees + prepaids$10,095.64
Your down payment is the seller’s equity. You take over the $264,692 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $55,403.59 is due at closing. Uses and sources reconcile at $320,095.64 each. Not a Closing Disclosure.