Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$237,212Cash toward the purchase price.
Closing costs + prepaids$10,426Not just lender fees.
Before credits & paid funds$247,639The complete starting cash picture.
Estimated remaining funds due at closing
$247,639No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,212.30
Your down payment$237,212.30
Closing costs + prepaids$10,426.41
Total buyer cash needed$247,638.71
Remaining funds due$247,638.71
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)$376.50
Initial HOA (3 months)$267.00
Prepaid interest, first (30 days)$407.91
Fees + prepaids$10,426.41
Your down payment is the seller’s equity. You take over the $77,788 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $247,638.71 is due at closing. Uses and sources reconcile at $325,426.41 each. Not a Closing Disclosure.