Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$171,929Cash toward the purchase price.
Closing costs + prepaids$12,123Not just lender fees.
Before credits & paid funds$184,052The complete starting cash picture.
Estimated remaining funds due at closing
$184,052No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,928.69
Your down payment$171,928.69
Closing costs + prepaids$12,123.07
Total buyer cash needed$184,051.76
Remaining funds due$184,051.76
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)$2,011.50
Initial HOA (3 months)$309.00
Prepaid interest, first (27 days)$427.57
Fees + prepaids$12,123.07
Your down payment is the seller’s equity. You take over the $143,071 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $184,051.76 is due at closing. Uses and sources reconcile at $327,123.07 each. Not a Closing Disclosure.