Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$130,890Cash toward the purchase price.
Closing costs + prepaids$10,581Not just lender fees.
Before credits & paid funds$141,471The complete starting cash picture.
Estimated remaining funds due at closing
$141,471No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,890.14
Your down payment$130,890.14
Closing costs + prepaids$10,581.10
Total buyer cash needed$141,471.23
Remaining funds due$141,471.23
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)$931.00
Prepaid interest, first (25 days)$325.10
Fees + prepaids$10,581.10
Your down payment is the seller’s equity. You take over the $179,110 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $141,471.23 is due at closing. Uses and sources reconcile at $320,581.10 each. Not a Closing Disclosure.