Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$117,904Cash toward the purchase price.
Closing costs + prepaids$10,087Not just lender fees.
Before credits & paid funds$127,991The complete starting cash picture.
Estimated remaining funds due at closing
$127,991No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,903.67
Your down payment$117,903.67
Closing costs + prepaids$10,087.19
Total buyer cash needed$127,990.87
Remaining funds due$127,990.87
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
Initial HOA (3 months)$258.99
Prepaid interest, first (9 days)$131.20
Fees + prepaids$10,087.19
Your down payment is the seller’s equity. You take over the $192,096 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $127,990.87 is due at closing. Uses and sources reconcile at $320,087.19 each. Not a Closing Disclosure.