Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$31,580Cash toward the purchase price.
Closing costs + prepaids$10,130Not just lender fees.
Before credits & paid funds$41,710The complete starting cash picture.
Estimated remaining funds due at closing
$41,710No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,579.78
Your down payment$31,579.78
Closing costs + prepaids$10,130.38
Total buyer cash needed$41,710.17
Remaining funds due$41,710.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,090.00
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)$370.75
Prepaid interest, first (9 days)$444.63
Fees + prepaids$10,130.38
Your down payment is the seller’s equity. You take over the $277,420 balance, so the rest of the $309,000 price is paid at closing. A second mortgage can cover part of it. $41,710.17 is due at closing. Uses and sources reconcile at $319,130.38 each. Not a Closing Disclosure.