Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$116,979Cash toward the purchase price.
Closing costs + prepaids$12,005Not just lender fees.
Before credits & paid funds$128,984The complete starting cash picture.
Estimated remaining funds due at closing
$128,984No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,979.42
Your down payment$116,979.42
Closing costs + prepaids$12,004.59
Total buyer cash needed$128,984.01
Remaining funds due$128,984.01
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)$768.00
Initial HOA (3 months)$1,278.00
Prepaid interest, first (31 days)$583.59
Fees + prepaids$12,004.59
Your down payment is the seller’s equity. You take over the $198,021 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $128,984.01 is due at closing. Uses and sources reconcile at $327,004.59 each. Not a Closing Disclosure.