Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$214,116Cash toward the purchase price.
Closing costs + prepaids$10,055Not just lender fees.
Before credits & paid funds$224,171The complete starting cash picture.
Estimated remaining funds due at closing
$224,171No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,116.05
Your down payment$214,116.05
Closing costs + prepaids$10,054.89
Total buyer cash needed$224,170.93
Remaining funds due$224,170.93
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)$426.00
Prepaid interest, first (24 days)$303.89
Fees + prepaids$10,054.89
Your down payment is the seller’s equity. You take over the $95,884 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $224,170.93 is due at closing. Uses and sources reconcile at $320,054.89 each. Not a Closing Disclosure.