Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$56,417Cash toward the purchase price.
Closing costs + prepaids$11,654Not just lender fees.
Before credits & paid funds$68,071The complete starting cash picture.
Estimated remaining funds due at closing
$68,071No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,417.07
Your down payment$56,417.07
Closing costs + prepaids$11,653.91
Total buyer cash needed$68,070.98
Remaining funds due$68,070.98
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)$2,210.00
Initial HOA (3 months)$24.99
Prepaid interest, first (2 days)$43.92
Fees + prepaids$11,653.91
Your down payment is the seller’s equity. You take over the $258,583 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $68,070.98 is due at closing. Uses and sources reconcile at $326,653.91 each. Not a Closing Disclosure.