Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$214,332Cash toward the purchase price.
Closing costs + prepaids$10,338Not just lender fees.
Before credits & paid funds$224,670The complete starting cash picture.
Estimated remaining funds due at closing
$224,670No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,332.32
Your down payment$214,332.32
Closing costs + prepaids$10,338.05
Total buyer cash needed$224,670.36
Remaining funds due$224,670.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,090.00
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)$772.50
Prepaid interest, first (28 days)$250.55
Fees + prepaids$10,338.05
Your down payment is the seller’s equity. You take over the $94,668 balance, so the rest of the $309,000 price is paid at closing. A second mortgage can cover part of it. $224,670.36 is due at closing. Uses and sources reconcile at $319,338.05 each. Not a Closing Disclosure.