Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$142,944Cash toward the purchase price.
Closing costs + prepaids$10,495Not just lender fees.
Before credits & paid funds$153,439The complete starting cash picture.
Estimated remaining funds due at closing
$153,439No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,944.06
Your down payment$142,944.06
Closing costs + prepaids$10,495.27
Total buyer cash needed$153,439.33
Remaining funds due$153,439.33
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)$470.25
Initial HOA (3 months)$300.00
Prepaid interest, first (23 days)$400.02
Fees + prepaids$10,495.27
Your down payment is the seller’s equity. You take over the $167,056 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $153,439.33 is due at closing. Uses and sources reconcile at $320,495.27 each. Not a Closing Disclosure.