Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$275,517Cash toward the purchase price.
Closing costs + prepaids$11,008Not just lender fees.
Before credits & paid funds$286,525The complete starting cash picture.
Estimated remaining funds due at closing
$286,525No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$275,517.21
Your down payment$275,517.21
Closing costs + prepaids$11,008.01
Total buyer cash needed$286,525.22
Remaining funds due$286,525.22
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)$1,531.50
Prepaid interest, first (24 days)$101.51
Fees + prepaids$11,008.01
Your down payment is the seller’s equity. You take over the $39,483 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $286,525.22 is due at closing. Uses and sources reconcile at $326,008.01 each. Not a Closing Disclosure.