Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$28,840Cash toward the purchase price.
Closing costs + prepaids$10,634Not just lender fees.
Before credits & paid funds$39,474The complete starting cash picture.
Estimated remaining funds due at closing
$39,474No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,840.28
Your down payment$28,840.28
Closing costs + prepaids$10,634.12
Total buyer cash needed$39,474.40
Remaining funds due$39,474.40
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)$596.75
Prepaid interest, first (16 days)$712.37
Fees + prepaids$10,634.12
Your down payment is the seller’s equity. You take over the $281,160 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $39,474.40 is due at closing. Uses and sources reconcile at $320,634.12 each. Not a Closing Disclosure.