Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$110,191Cash toward the purchase price.
Closing costs + prepaids$10,550Not just lender fees.
Before credits & paid funds$120,741The complete starting cash picture.
Estimated remaining funds due at closing
$120,741No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,190.98
Your down payment$110,190.98
Closing costs + prepaids$10,550.41
Total buyer cash needed$120,741.39
Remaining funds due$120,741.39
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)$189.25
Prepaid interest, first (28 days)$1,036.16
Fees + prepaids$10,550.41
Your down payment is the seller’s equity. You take over the $199,809 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $120,741.39 is due at closing. Uses and sources reconcile at $320,550.41 each. Not a Closing Disclosure.