Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$191,750Cash toward the purchase price.
Closing costs + prepaids$11,416Not just lender fees.
Before credits & paid funds$203,166The complete starting cash picture.
Estimated remaining funds due at closing
$203,166No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,749.81
Your down payment$191,749.81
Closing costs + prepaids$11,416.12
Total buyer cash needed$203,165.93
Remaining funds due$203,165.93
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)$1,422.50
Initial HOA (3 months)$150.00
Prepaid interest, first (24 days)$518.62
Fees + prepaids$11,416.12
Your down payment is the seller’s equity. You take over the $118,250 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $203,165.93 is due at closing. Uses and sources reconcile at $321,416.12 each. Not a Closing Disclosure.