Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$125,448Cash toward the purchase price.
Closing costs + prepaids$10,566Not just lender fees.
Before credits & paid funds$136,014The complete starting cash picture.
Estimated remaining funds due at closing
$136,014No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,447.63
Your down payment$125,447.63
Closing costs + prepaids$10,566.32
Total buyer cash needed$136,013.96
Remaining funds due$136,013.96
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
Prepaid interest, first (27 days)$403.82
Fees + prepaids$10,566.32
Your down payment is the seller’s equity. You take over the $189,552 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $136,013.96 is due at closing. Uses and sources reconcile at $325,566.32 each. Not a Closing Disclosure.