Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$234,335Cash toward the purchase price.
Closing costs + prepaids$9,772Not just lender fees.
Before credits & paid funds$244,107The complete starting cash picture.
Estimated remaining funds due at closing
$244,107No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,334.85
Your down payment$234,334.85
Closing costs + prepaids$9,771.84
Total buyer cash needed$244,106.69
Remaining funds due$244,106.69
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)$372.00
Prepaid interest, first (10 days)$74.84
Fees + prepaids$9,771.84
Your down payment is the seller’s equity. You take over the $75,665 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $244,106.69 is due at closing. Uses and sources reconcile at $319,771.84 each. Not a Closing Disclosure.