Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$90,653Cash toward the purchase price.
Closing costs + prepaids$11,122Not just lender fees.
Before credits & paid funds$101,775The complete starting cash picture.
Estimated remaining funds due at closing
$101,775No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,652.75
Your down payment$90,652.75
Closing costs + prepaids$11,122.50
Total buyer cash needed$101,775.25
Remaining funds due$101,775.25
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)$700.25
Initial HOA (3 months)$624.00
Prepaid interest, first (25 days)$473.25
Fees + prepaids$11,122.50
Your down payment is the seller’s equity. You take over the $219,347 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $101,775.25 is due at closing. Uses and sources reconcile at $321,122.50 each. Not a Closing Disclosure.