Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$85,218Cash toward the purchase price.
Closing costs + prepaids$11,440Not just lender fees.
Before credits & paid funds$96,657The complete starting cash picture.
Estimated remaining funds due at closing
$96,657No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,217.78
Your down payment$85,217.78
Closing costs + prepaids$11,439.63
Total buyer cash needed$96,657.41
Remaining funds due$96,657.41
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)$1,245.00
Prepaid interest, first (27 days)$869.63
Fees + prepaids$11,439.63
Your down payment is the seller’s equity. You take over the $224,782 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $96,657.41 is due at closing. Uses and sources reconcile at $321,439.63 each. Not a Closing Disclosure.