Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$227,863Cash toward the purchase price.
Closing costs + prepaids$9,871Not just lender fees.
Before credits & paid funds$237,734The complete starting cash picture.
Estimated remaining funds due at closing
$237,734No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,862.96
Your down payment$227,862.96
Closing costs + prepaids$9,870.99
Total buyer cash needed$237,733.95
Remaining funds due$237,733.95
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)$300.25
Prepaid interest, first (26 days)$245.74
Fees + prepaids$9,870.99
Your down payment is the seller’s equity. You take over the $82,137 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $237,733.95 is due at closing. Uses and sources reconcile at $319,870.99 each. Not a Closing Disclosure.