Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$126,072Cash toward the purchase price.
Closing costs + prepaids$11,138Not just lender fees.
Before credits & paid funds$137,209The complete starting cash picture.
Estimated remaining funds due at closing
$137,209No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,071.52
Your down payment$126,071.52
Closing costs + prepaids$11,137.71
Total buyer cash needed$137,209.23
Remaining funds due$137,209.23
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)$283.50
Initial HOA (3 months)$900.00
Prepaid interest, first (30 days)$579.21
Fees + prepaids$11,137.71
Your down payment is the seller’s equity. You take over the $188,928 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $137,209.23 is due at closing. Uses and sources reconcile at $326,137.71 each. Not a Closing Disclosure.