Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$67,426Cash toward the purchase price.
Closing costs + prepaids$11,260Not just lender fees.
Before credits & paid funds$78,686The complete starting cash picture.
Estimated remaining funds due at closing
$78,686No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,425.76
Your down payment$67,425.76
Closing costs + prepaids$11,260.02
Total buyer cash needed$78,685.78
Remaining funds due$78,685.78
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)$823.50
Prepaid interest, first (25 days)$1,111.52
Fees + prepaids$11,260.02
Your down payment is the seller’s equity. You take over the $242,574 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $78,685.78 is due at closing. Uses and sources reconcile at $321,260.02 each. Not a Closing Disclosure.