Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$38,295Cash toward the purchase price.
Closing costs + prepaids$11,703Not just lender fees.
Before credits & paid funds$49,998The complete starting cash picture.
Estimated remaining funds due at closing
$49,998No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,294.57
Your down payment$38,294.57
Closing costs + prepaids$11,703.01
Total buyer cash needed$49,997.58
Remaining funds due$49,997.58
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)$803.75
Initial HOA (3 months)$159.00
Prepaid interest, first (27 days)$1,365.26
Fees + prepaids$11,703.01
Your down payment is the seller’s equity. You take over the $276,705 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $49,997.58 is due at closing. Uses and sources reconcile at $326,703.01 each. Not a Closing Disclosure.