Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$211,702Cash toward the purchase price.
Closing costs + prepaids$9,778Not just lender fees.
Before credits & paid funds$221,480The complete starting cash picture.
Estimated remaining funds due at closing
$221,480No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,702.15
Your down payment$211,702.15
Closing costs + prepaids$9,777.52
Total buyer cash needed$221,479.67
Remaining funds due$221,479.67
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)$80.52
Fees + prepaids$9,777.52
Your down payment is the seller’s equity. You take over the $98,298 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $221,479.67 is due at closing. Uses and sources reconcile at $319,777.52 each. Not a Closing Disclosure.