Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$212,506Cash toward the purchase price.
Closing costs + prepaids$10,418Not just lender fees.
Before credits & paid funds$222,924The complete starting cash picture.
Estimated remaining funds due at closing
$222,924No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,506.25
Your down payment$212,506.25
Closing costs + prepaids$10,418.03
Total buyer cash needed$222,924.29
Remaining funds due$222,924.29
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)$724.25
Initial HOA (3 months)$45.00
Prepaid interest, first (25 days)$273.78
Fees + prepaids$10,418.03
Your down payment is the seller’s equity. You take over the $102,494 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $222,924.29 is due at closing. Uses and sources reconcile at $325,418.03 each. Not a Closing Disclosure.