Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$204,846Cash toward the purchase price.
Closing costs + prepaids$9,889Not just lender fees.
Before credits & paid funds$214,734The complete starting cash picture.
Estimated remaining funds due at closing
$214,734No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,845.71
Your down payment$204,845.71
Closing costs + prepaids$9,888.76
Total buyer cash needed$214,734.46
Remaining funds due$214,734.46
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)$387.50
Prepaid interest, first (14 days)$176.26
Fees + prepaids$9,888.76
Your down payment is the seller’s equity. You take over the $105,154 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $214,734.46 is due at closing. Uses and sources reconcile at $319,888.76 each. Not a Closing Disclosure.