Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$39,038Cash toward the purchase price.
Closing costs + prepaids$10,883Not just lender fees.
Before credits & paid funds$49,921The complete starting cash picture.
Estimated remaining funds due at closing
$49,921No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,038.43
Your down payment$39,038.43
Closing costs + prepaids$10,882.66
Total buyer cash needed$49,921.09
Remaining funds due$49,921.09
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)$378.00
Initial HOA (3 months)$735.00
Prepaid interest, first (10 days)$394.66
Fees + prepaids$10,882.66
Your down payment is the seller’s equity. You take over the $275,962 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $49,921.09 is due at closing. Uses and sources reconcile at $325,882.66 each. Not a Closing Disclosure.