Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$126,285Cash toward the purchase price.
Closing costs + prepaids$11,021Not just lender fees.
Before credits & paid funds$137,306The complete starting cash picture.
Estimated remaining funds due at closing
$137,306No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,284.53
Your down payment$126,284.53
Closing costs + prepaids$11,021.25
Total buyer cash needed$137,305.78
Remaining funds due$137,305.78
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)$1,005.25
Initial HOA (3 months)$225.00
Prepaid interest, first (27 days)$416.00
Fees + prepaids$11,021.25
Your down payment is the seller’s equity. You take over the $188,715 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $137,305.78 is due at closing. Uses and sources reconcile at $326,021.25 each. Not a Closing Disclosure.