Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$82,415Cash toward the purchase price.
Closing costs + prepaids$12,993Not just lender fees.
Before credits & paid funds$95,408The complete starting cash picture.
Estimated remaining funds due at closing
$95,408No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,415.00
Your down payment$82,415.00
Closing costs + prepaids$12,992.55
Total buyer cash needed$95,407.55
Remaining funds due$95,407.55
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)$1,400.00
Initial HOA (3 months)$996.00
Prepaid interest, first (27 days)$1,221.55
Fees + prepaids$12,992.55
Your down payment is the seller’s equity. You take over the $232,585 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $95,407.55 is due at closing. Uses and sources reconcile at $327,992.55 each. Not a Closing Disclosure.