Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$75,305Cash toward the purchase price.
Closing costs + prepaids$11,082Not just lender fees.
Before credits & paid funds$86,388The complete starting cash picture.
Estimated remaining funds due at closing
$86,388No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,305.28
Your down payment$75,305.28
Closing costs + prepaids$11,082.23
Total buyer cash needed$86,387.51
Remaining funds due$86,387.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,150.00
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)$803.25
Initial HOA (3 months)$780.00
Prepaid interest, first (4 days)$123.98
Fees + prepaids$11,082.23
Your down payment is the seller’s equity. You take over the $239,695 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $86,387.51 is due at closing. Uses and sources reconcile at $326,082.23 each. Not a Closing Disclosure.