Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$237,318Cash toward the purchase price.
Closing costs + prepaids$11,013Not just lender fees.
Before credits & paid funds$248,331The complete starting cash picture.
Estimated remaining funds due at closing
$248,331No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,317.99
Your down payment$237,317.99
Closing costs + prepaids$11,012.74
Total buyer cash needed$248,330.73
Remaining funds due$248,330.73
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)$1,327.00
Initial HOA (3 months)$83.76
Prepaid interest, first (27 days)$226.98
Fees + prepaids$11,012.74
Your down payment is the seller’s equity. You take over the $77,682 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $248,330.73 is due at closing. Uses and sources reconcile at $326,012.74 each. Not a Closing Disclosure.