Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$87,377Cash toward the purchase price.
Closing costs + prepaids$11,338Not just lender fees.
Before credits & paid funds$98,715The complete starting cash picture.
Estimated remaining funds due at closing
$98,715No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,377.22
Your down payment$87,377.22
Closing costs + prepaids$11,337.55
Total buyer cash needed$98,714.77
Remaining funds due$98,714.77
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)$657.00
Initial HOA (3 months)$876.00
Prepaid interest, first (24 days)$429.55
Fees + prepaids$11,337.55
Your down payment is the seller’s equity. You take over the $227,623 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $98,714.77 is due at closing. Uses and sources reconcile at $326,337.55 each. Not a Closing Disclosure.