Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$53,031Cash toward the purchase price.
Closing costs + prepaids$11,764Not just lender fees.
Before credits & paid funds$64,795The complete starting cash picture.
Estimated remaining funds due at closing
$64,795No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,031.40
Your down payment$53,031.40
Closing costs + prepaids$11,763.62
Total buyer cash needed$64,795.02
Remaining funds due$64,795.02
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)$938.25
Initial HOA (3 months)$90.00
Prepaid interest, first (27 days)$1,360.37
Fees + prepaids$11,763.62
Your down payment is the seller’s equity. You take over the $261,969 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $64,795.02 is due at closing. Uses and sources reconcile at $326,763.62 each. Not a Closing Disclosure.