Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$95,010Cash toward the purchase price.
Closing costs + prepaids$10,269Not just lender fees.
Before credits & paid funds$105,279The complete starting cash picture.
Estimated remaining funds due at closing
$105,279No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,009.96
Your down payment$95,009.96
Closing costs + prepaids$10,268.55
Total buyer cash needed$105,278.51
Remaining funds due$105,278.51
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)$419.50
Prepaid interest, first (31 days)$524.05
Fees + prepaids$10,268.55
Your down payment is the seller’s equity. You take over the $214,990 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $105,278.51 is due at closing. Uses and sources reconcile at $320,268.55 each. Not a Closing Disclosure.