Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$76,349Cash toward the purchase price.
Closing costs + prepaids$10,802Not just lender fees.
Before credits & paid funds$87,151The complete starting cash picture.
Estimated remaining funds due at closing
$87,151No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,348.56
Your down payment$76,348.56
Closing costs + prepaids$10,802.05
Total buyer cash needed$87,150.62
Remaining funds due$87,150.62
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)$463.75
Initial HOA (3 months)$588.00
Prepaid interest, first (20 days)$375.30
Fees + prepaids$10,802.05
Your down payment is the seller’s equity. You take over the $238,651 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $87,150.62 is due at closing. Uses and sources reconcile at $325,802.05 each. Not a Closing Disclosure.