Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$41,228Cash toward the purchase price.
Closing costs + prepaids$9,715Not just lender fees.
Before credits & paid funds$50,943The complete starting cash picture.
Estimated remaining funds due at closing
$50,943No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,227.81
Your down payment$41,227.81
Closing costs + prepaids$9,715.30
Total buyer cash needed$50,943.11
Remaining funds due$50,943.11
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)$288.25
Prepaid interest, first (1 days)$52.05
Fees + prepaids$9,715.30
Your down payment is the seller’s equity. You take over the $273,772 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $50,943.11 is due at closing. Uses and sources reconcile at $324,715.30 each. Not a Closing Disclosure.