Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$114,710Cash toward the purchase price.
Closing costs + prepaids$9,950Not just lender fees.
Before credits & paid funds$124,660The complete starting cash picture.
Estimated remaining funds due at closing
$124,660No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,710.45
Your down payment$114,710.45
Closing costs + prepaids$9,949.67
Total buyer cash needed$124,660.11
Remaining funds due$124,660.11
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)$125.25
Prepaid interest, first (30 days)$449.42
Fees + prepaids$9,949.67
Your down payment is the seller’s equity. You take over the $200,290 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $124,660.11 is due at closing. Uses and sources reconcile at $324,949.67 each. Not a Closing Disclosure.