Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$81,170Cash toward the purchase price.
Closing costs + prepaids$11,141Not just lender fees.
Before credits & paid funds$92,311The complete starting cash picture.
Estimated remaining funds due at closing
$92,311No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,170.03
Your down payment$81,170.03
Closing costs + prepaids$11,141.35
Total buyer cash needed$92,311.37
Remaining funds due$92,311.37
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)$459.00
Initial HOA (3 months)$231.00
Prepaid interest, first (26 days)$1,126.35
Fees + prepaids$11,141.35
Your down payment is the seller’s equity. You take over the $228,830 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $92,311.37 is due at closing. Uses and sources reconcile at $321,141.35 each. Not a Closing Disclosure.