Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$48,265Cash toward the purchase price.
Closing costs + prepaids$11,394Not just lender fees.
Before credits & paid funds$59,659The complete starting cash picture.
Estimated remaining funds due at closing
$59,659No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,265.13
Your down payment$48,265.13
Closing costs + prepaids$11,394.28
Total buyer cash needed$59,659.41
Remaining funds due$59,659.41
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)$582.00
Initial HOA (3 months)$735.00
Prepaid interest, first (31 days)$702.28
Fees + prepaids$11,394.28
Your down payment is the seller’s equity. You take over the $266,735 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $59,659.41 is due at closing. Uses and sources reconcile at $326,394.28 each. Not a Closing Disclosure.