Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$310,239Cash toward the purchase price.
Closing costs + prepaids$10,410Not just lender fees.
Before credits & paid funds$320,649The complete starting cash picture.
Estimated remaining funds due at closing
$320,649No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$310,239.17
Your down payment$310,239.17
Closing costs + prepaids$10,409.64
Total buyer cash needed$320,648.82
Remaining funds due$320,648.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,345.00
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)$720.00
Prepaid interest, first (30 days)$119.64
Fees + prepaids$10,409.64
Your down payment is the seller’s equity. You take over the $24,261 balance, so the rest of the $334,500 price is paid at closing. A second mortgage can cover part of it. $320,648.82 is due at closing. Uses and sources reconcile at $344,909.64 each. Not a Closing Disclosure.