Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$105,416Cash toward the purchase price.
Closing costs + prepaids$10,830Not just lender fees.
Before credits & paid funds$116,245The complete starting cash picture.
Estimated remaining funds due at closing
$116,245No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,415.71
Your down payment$105,415.71
Closing costs + prepaids$10,829.59
Total buyer cash needed$116,245.31
Remaining funds due$116,245.31
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)$1,421.75
Prepaid interest, first (2 days)$32.84
Fees + prepaids$10,829.59
Your down payment is the seller’s equity. You take over the $209,584 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $116,245.31 is due at closing. Uses and sources reconcile at $325,829.59 each. Not a Closing Disclosure.