Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$228,935Cash toward the purchase price.
Closing costs + prepaids$10,907Not just lender fees.
Before credits & paid funds$239,842The complete starting cash picture.
Estimated remaining funds due at closing
$239,842No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$228,935.14
Your down payment$228,935.14
Closing costs + prepaids$10,906.73
Total buyer cash needed$239,841.87
Remaining funds due$239,841.87
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)$294.00
Initial HOA (3 months)$1,050.00
Prepaid interest, first (24 days)$237.73
Fees + prepaids$10,906.73
Your down payment is the seller’s equity. You take over the $81,065 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $239,841.87 is due at closing. Uses and sources reconcile at $320,906.73 each. Not a Closing Disclosure.