Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$76,219Cash toward the purchase price.
Closing costs + prepaids$10,548Not just lender fees.
Before credits & paid funds$86,767The complete starting cash picture.
Estimated remaining funds due at closing
$86,767No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,219.30
Your down payment$76,219.30
Closing costs + prepaids$10,547.80
Total buyer cash needed$86,767.10
Remaining funds due$86,767.10
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)$471.50
Prepaid interest, first (23 days)$751.30
Fees + prepaids$10,547.80
Your down payment is the seller’s equity. You take over the $233,781 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $86,767.10 is due at closing. Uses and sources reconcile at $320,547.80 each. Not a Closing Disclosure.