Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$28,160Cash toward the purchase price.
Closing costs + prepaids$10,884Not just lender fees.
Before credits & paid funds$39,044The complete starting cash picture.
Estimated remaining funds due at closing
$39,044No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,159.97
Your down payment$28,159.97
Closing costs + prepaids$10,884.38
Total buyer cash needed$39,044.35
Remaining funds due$39,044.35
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)$203.75
Prepaid interest, first (26 days)$1,305.63
Fees + prepaids$10,884.38
Your down payment is the seller’s equity. You take over the $286,840 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $39,044.35 is due at closing. Uses and sources reconcile at $325,884.38 each. Not a Closing Disclosure.