Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$80,367Cash toward the purchase price.
Closing costs + prepaids$11,104Not just lender fees.
Before credits & paid funds$91,471The complete starting cash picture.
Estimated remaining funds due at closing
$91,471No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,367.36
Your down payment$80,367.36
Closing costs + prepaids$11,104.02
Total buyer cash needed$91,471.39
Remaining funds due$91,471.39
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)$598.00
Initial HOA (3 months)$720.00
Prepaid interest, first (23 days)$411.02
Fees + prepaids$11,104.02
Your down payment is the seller’s equity. You take over the $234,633 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $91,471.39 is due at closing. Uses and sources reconcile at $326,104.02 each. Not a Closing Disclosure.