Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$216,905Cash toward the purchase price.
Closing costs + prepaids$9,859Not just lender fees.
Before credits & paid funds$226,764The complete starting cash picture.
Estimated remaining funds due at closing
$226,764No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,905.15
Your down payment$216,905.15
Closing costs + prepaids$9,858.80
Total buyer cash needed$226,763.95
Remaining funds due$226,763.95
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 (12 days)$146.30
Fees + prepaids$9,858.80
Your down payment is the seller’s equity. You take over the $93,095 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $226,763.95 is due at closing. Uses and sources reconcile at $319,858.80 each. Not a Closing Disclosure.