Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$79,132Cash toward the purchase price.
Closing costs + prepaids$9,512Not just lender fees.
Before credits & paid funds$88,644The complete starting cash picture.
Estimated remaining funds due at closing
$88,644No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,132.29
Your down payment$79,132.29
Closing costs + prepaids$9,512.06
Total buyer cash needed$88,644.35
Remaining funds due$88,644.35
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)$150.75
Prepaid interest, first (2 days)$36.31
Fees + prepaids$9,512.06
Your down payment is the seller’s equity. You take over the $230,868 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $88,644.35 is due at closing. Uses and sources reconcile at $319,512.06 each. Not a Closing Disclosure.