Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$22,111Cash toward the purchase price.
Closing costs + prepaids$10,971Not just lender fees.
Before credits & paid funds$33,082The complete starting cash picture.
Estimated remaining funds due at closing
$33,082No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,110.67
Your down payment$22,110.67
Closing costs + prepaids$10,971.17
Total buyer cash needed$33,081.84
Remaining funds due$33,081.84
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)$234.25
Prepaid interest, first (27 days)$1,411.92
Fees + prepaids$10,971.17
Your down payment is the seller’s equity. You take over the $287,889 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $33,081.84 is due at closing. Uses and sources reconcile at $320,971.17 each. Not a Closing Disclosure.