Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$72,919Cash toward the purchase price.
Closing costs + prepaids$10,020Not just lender fees.
Before credits & paid funds$82,940The complete starting cash picture.
Estimated remaining funds due at closing
$82,940No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,919.22
Your down payment$72,919.22
Closing costs + prepaids$10,020.47
Total buyer cash needed$82,939.69
Remaining funds due$82,939.69
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)$323.47
Fees + prepaids$10,020.47
Your down payment is the seller’s equity. You take over the $237,081 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $82,939.69 is due at closing. Uses and sources reconcile at $320,020.47 each. Not a Closing Disclosure.