Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$146,135Cash toward the purchase price.
Closing costs + prepaids$10,105Not just lender fees.
Before credits & paid funds$156,240The complete starting cash picture.
Estimated remaining funds due at closing
$156,240No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,135.11
Your down payment$146,135.11
Closing costs + prepaids$10,104.80
Total buyer cash needed$156,239.91
Remaining funds due$156,239.91
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)$454.75
Initial HOA (3 months)$210.00
Prepaid interest, first (2 days)$65.05
Fees + prepaids$10,104.80
Your down payment is the seller’s equity. You take over the $168,865 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $156,239.91 is due at closing. Uses and sources reconcile at $325,104.80 each. Not a Closing Disclosure.