Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$310,810Cash toward the purchase price.
Closing costs + prepaids$11,759Not just lender fees.
Before credits & paid funds$322,570The complete starting cash picture.
Estimated remaining funds due at closing
$322,570No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$310,810.47
Your down payment$310,810.47
Closing costs + prepaids$11,759.18
Total buyer cash needed$322,569.65
Remaining funds due$322,569.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.99
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)$1,050.00
Prepaid interest, first (25 days)$284.19
Fees + prepaids$11,759.18
Your down payment is the seller’s equity. You take over the $109,189 balance, so the rest of the $419,999 price is paid at closing. A second mortgage can cover part of it. $322,569.65 is due at closing. Uses and sources reconcile at $431,758.18 each. Not a Closing Disclosure.