Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$119,724Cash toward the purchase price.
Closing costs + prepaids$12,537Not just lender fees.
Before credits & paid funds$132,260The complete starting cash picture.
Estimated remaining funds due at closing
$132,260No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,723.85
Your down payment$119,723.85
Closing costs + prepaids$12,536.54
Total buyer cash needed$132,260.39
Remaining funds due$132,260.39
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)$1,827.00
Initial HOA (3 months)$990.00
Prepaid interest, first (23 days)$344.54
Fees + prepaids$12,536.54
Your down payment is the seller’s equity. You take over the $195,276 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $132,260.39 is due at closing. Uses and sources reconcile at $327,536.54 each. Not a Closing Disclosure.