Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$302,140Cash toward the purchase price.
Closing costs + prepaids$9,616Not just lender fees.
Before credits & paid funds$311,757The complete starting cash picture.
Estimated remaining funds due at closing
$311,757No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$302,140.20
Your down payment$302,140.20
Closing costs + prepaids$9,616.39
Total buyer cash needed$311,756.59
Remaining funds due$311,756.59
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)$250.50
Prepaid interest, first (30 days)$40.89
Fees + prepaids$9,616.39
Your down payment is the seller’s equity. You take over the $7,860 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $311,756.59 is due at closing. Uses and sources reconcile at $319,616.39 each. Not a Closing Disclosure.