Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$216,905Cash toward the purchase price.
Closing costs + prepaids$10,254Not just lender fees.
Before credits & paid funds$227,159The complete starting cash picture.
Estimated remaining funds due at closing
$227,159No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,905.15
Your down payment$216,905.15
Closing costs + prepaids$10,253.97
Total buyer cash needed$227,159.11
Remaining funds due$227,159.11
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)$660.75
Prepaid interest, first (22 days)$268.22
Fees + prepaids$10,253.97
Your down payment is the seller’s equity. You take over the $93,095 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $227,159.11 is due at closing. Uses and sources reconcile at $320,253.97 each. Not a Closing Disclosure.