Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$28,414Cash toward the purchase price.
Closing costs + prepaids$11,238Not just lender fees.
Before credits & paid funds$39,652The complete starting cash picture.
Estimated remaining funds due at closing
$39,652No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,413.84
Your down payment$28,413.84
Closing costs + prepaids$11,238.32
Total buyer cash needed$39,652.17
Remaining funds due$39,652.17
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)$1,496.50
Initial HOA (3 months)$249.99
Prepaid interest, first (2 days)$116.83
Fees + prepaids$11,238.32
Your down payment is the seller’s equity. You take over the $286,586 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $39,652.17 is due at closing. Uses and sources reconcile at $326,238.32 each. Not a Closing Disclosure.