Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$38,759Cash toward the purchase price.
Closing costs + prepaids$13,079Not just lender fees.
Before credits & paid funds$51,838The complete starting cash picture.
Estimated remaining funds due at closing
$51,838No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,758.56
Your down payment$38,758.56
Closing costs + prepaids$13,079.09
Total buyer cash needed$51,837.65
Remaining funds due$51,837.65
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)$2,169.25
Prepaid interest, first (30 days)$1,534.84
Fees + prepaids$13,079.09
Your down payment is the seller’s equity. You take over the $276,241 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $51,837.65 is due at closing. Uses and sources reconcile at $328,079.09 each. Not a Closing Disclosure.