Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$213,650Cash toward the purchase price.
Closing costs + prepaids$10,460Not just lender fees.
Before credits & paid funds$224,109The complete starting cash picture.
Estimated remaining funds due at closing
$224,109No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$213,649.53
Your down payment$213,649.53
Closing costs + prepaids$10,459.50
Total buyer cash needed$224,109.03
Remaining funds due$224,109.03
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)$39.99
Prepaid interest, first (26 days)$257.01
Fees + prepaids$10,459.50
Your down payment is the seller’s equity. You take over the $101,350 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $224,109.03 is due at closing. Uses and sources reconcile at $325,459.50 each. Not a Closing Disclosure.