Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$45,645Cash toward the purchase price.
Closing costs + prepaids$10,588Not just lender fees.
Before credits & paid funds$56,232The complete starting cash picture.
Estimated remaining funds due at closing
$56,232No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,644.60
Your down payment$45,644.60
Closing costs + prepaids$10,587.88
Total buyer cash needed$56,232.49
Remaining funds due$56,232.49
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)$337.50
Initial HOA (3 months)$240.00
Prepaid interest, first (30 days)$635.38
Fees + prepaids$10,587.88
Your down payment is the seller’s equity. You take over the $269,355 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $56,232.49 is due at closing. Uses and sources reconcile at $325,587.88 each. Not a Closing Disclosure.