Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$198,186Cash toward the purchase price.
Closing costs + prepaids$11,646Not just lender fees.
Before credits & paid funds$209,832The complete starting cash picture.
Estimated remaining funds due at closing
$209,832No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,185.68
Your down payment$198,185.68
Closing costs + prepaids$11,646.13
Total buyer cash needed$209,831.81
Remaining funds due$209,831.81
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)$877.75
Initial HOA (3 months)$1,170.00
Prepaid interest, first (23 days)$273.38
Fees + prepaids$11,646.13
Your down payment is the seller’s equity. You take over the $111,814 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $209,831.81 is due at closing. Uses and sources reconcile at $321,646.13 each. Not a Closing Disclosure.