Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$259,229Cash toward the purchase price.
Closing costs + prepaids$10,277Not just lender fees.
Before credits & paid funds$269,506The complete starting cash picture.
Estimated remaining funds due at closing
$269,506No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$259,228.66
Your down payment$259,228.66
Closing costs + prepaids$10,277.21
Total buyer cash needed$269,505.87
Remaining funds due$269,505.87
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)$775.00
Prepaid interest, first (28 days)$177.21
Fees + prepaids$10,277.21
Your down payment is the seller’s equity. You take over the $50,771 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $269,505.87 is due at closing. Uses and sources reconcile at $320,277.21 each. Not a Closing Disclosure.