Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$220,749Cash toward the purchase price.
Closing costs + prepaids$10,010Not just lender fees.
Before credits & paid funds$230,759The complete starting cash picture.
Estimated remaining funds due at closing
$230,759No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,749.04
Your down payment$220,749.04
Closing costs + prepaids$10,010.17
Total buyer cash needed$230,759.21
Remaining funds due$230,759.21
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)$175.75
Initial HOA (3 months)$210.00
Prepaid interest, first (31 days)$299.42
Fees + prepaids$10,010.17
Your down payment is the seller’s equity. You take over the $89,251 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $230,759.21 is due at closing. Uses and sources reconcile at $320,010.17 each. Not a Closing Disclosure.