Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$75,738Cash toward the purchase price.
Closing costs + prepaids$10,126Not just lender fees.
Before credits & paid funds$85,863The complete starting cash picture.
Estimated remaining funds due at closing
$85,863No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,737.63
Your down payment$75,737.63
Closing costs + prepaids$10,125.51
Total buyer cash needed$85,863.15
Remaining funds due$85,863.15
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)$374.25
Prepaid interest, first (20 days)$376.26
Fees + prepaids$10,125.51
Your down payment is the seller’s equity. You take over the $239,262 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $85,863.15 is due at closing. Uses and sources reconcile at $325,125.51 each. Not a Closing Disclosure.