Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$191,588Cash toward the purchase price.
Closing costs + prepaids$10,704Not just lender fees.
Before credits & paid funds$202,292The complete starting cash picture.
Estimated remaining funds due at closing
$202,292No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,587.55
Your down payment$191,587.55
Closing costs + prepaids$10,704.00
Total buyer cash needed$202,291.55
Remaining funds due$202,291.55
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)$775.00
Prepaid interest, first (29 days)$604.00
Fees + prepaids$10,704.00
Your down payment is the seller’s equity. You take over the $118,412 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $202,291.55 is due at closing. Uses and sources reconcile at $320,704.00 each. Not a Closing Disclosure.