Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$180,441Cash toward the purchase price.
Closing costs + prepaids$10,731Not just lender fees.
Before credits & paid funds$191,172The complete starting cash picture.
Estimated remaining funds due at closing
$191,172No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,441.09
Your down payment$180,441.09
Closing costs + prepaids$10,731.12
Total buyer cash needed$191,172.21
Remaining funds due$191,172.21
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)$787.50
Initial HOA (3 months)$99.99
Prepaid interest, first (28 days)$468.63
Fees + prepaids$10,731.12
Your down payment is the seller’s equity. You take over the $134,559 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $191,172.21 is due at closing. Uses and sources reconcile at $325,731.12 each. Not a Closing Disclosure.