Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$130,627Cash toward the purchase price.
Closing costs + prepaids$11,318Not just lender fees.
Before credits & paid funds$141,944The complete starting cash picture.
Estimated remaining funds due at closing
$141,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,626.91
Your down payment$130,626.91
Closing costs + prepaids$11,317.57
Total buyer cash needed$141,944.48
Remaining funds due$141,944.48
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)$787.50
Initial HOA (3 months)$735.00
Prepaid interest, first (28 days)$420.07
Fees + prepaids$11,317.57
Your down payment is the seller’s equity. You take over the $184,373 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $141,944.48 is due at closing. Uses and sources reconcile at $326,317.57 each. Not a Closing Disclosure.